www.iva.co.uk

so got creditors meeting on 7th March, but now am so scared, havent been able to pay anything to my creditors and interest is been added all the time and non payment fees etc......so what on earth happend if IVA is rejected, I feel thats my lifeline and if i get the call at work on the 7th and its rejection I will be a mess.

Baz

Have faith in your IP - they would not have put your case forward if they did not think it would be accepted. Do not even think about rejection at this stage and keep positive.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

I Can't say to you don't be scared because I did'nt sleep or eat for days before my creditors meeting. I did'nt pay anything bar the odd £5.00 token payment for 5 months before my IVA and the same as you interest and non payment fees stacked up.
Your IP will have submitted the best possible offer to your creditors, remember these people are in business and are looking for the best return they can get from you, they are not out to ruin you becasue they don't like you. My IP put the offer of 37p in the £ or 0p in the £ with bankcrupcy and the IVA went through.
Its not long now to the 7th, can you take a holiday day from work. I was off and to be honest needed to be.

thank you both for your positive thinking. I have been off work for a couple of weeks but went back last week as I found been off was making me worse, too much thinking about it. its such a shame cause we getting married in June( not been paid for by us obviously) but it hard to enjoy the preparations with this hanging over our heads.

Baz try to enjoy your wedding preps. You have done all you can now so ignore the creditor phone calls etc its just a job to them. I know it is a difficult time waiting but it wont change the result by worrying so take a deep breathe and enjoy getting ready and let the rest roll over you. ALL the very best.

Baz, I know what you are going through. I was in your shoes just a few short months ago. On the 25th my 3rd payment will be made. Take Melanie advice and trust your IP he/she really would not put this through if they did not think it would have a chance. It all does get better. Be postivie.

It is impossible to not worry you are right.

The thing is, Your wedding is such a happy occasion, you cannot let the result of your IVA change that. If your IP thought your IVA wouldn't pass, they would have advised you of a better option.

Hang in there, I'm sure everything will work out for the best. Good Luck & Chin up! x