Hi nic
Please do not get to stressed about your creditors meeting tommorrow.
I had mine on the 5th November and I really tried to give myself a busy day at work, I am in sales on the road so was able to go to car to take call when it came.
It really helped me being so busy as I did not have anytime that morning to stress about it, and the call was very quick and painless when it came.
I think i had stressed so much for weeks before that when that day was over I could have quite happily of slept for a week straight!!
If you have put forward your best offer than thats all you can do, please think through any modifications you get carefully before agreeing to anything as it can seem such a relief at the time you could agree to anything. You have a certain amount of time to decide on any modifications (I believe its 14 days, but best check with your ip). Only you know what you can afford, so be firm and stick to it as 60 months is a long time.
I still feel ashamed about letting myself get in a mess and I have nothing fancy to show for it also but I am hoping these feelings pass as I am trying my best to pay all I can and i did loose my part time job I had and a third of my income overnight so that was the reason for my troubles.
You are facing up to your situation now and it is so hard to sit down and confront things but you will feel better for doing this.
I am still getting used to (and sure I will be for a long time yet!!) using my debit card and thinking about the money i am spending all the time and making sure it is wisely spent.
i wish you lots of luck and will send some positive thoughts your way, let us all know how you get on.
Good Luck
Emma x[:)]
Be positive & look after yourself, there are more important things in life than debts....
Best Wishes
Emma x
