www.iva.co.uk

Hi Mandy definative is just another word for definate, give you clear advice of what to do.
Everybody will help on here any questions, if you just feel like a moan, the forum is for support as much as for advice.

Ang x

thats right mandy if your creditors accept the full and final settlement, what you earn after that is yours.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Hello mandy

I just wanted to say that we will give you support here and help you with questions or like kerri and ang says if you want to moan.

sounds like you have had a tough time, we are all in debt too so you are not alone.

Melanie is an expert like the one you have spoken to and will help you with the technical stuff that is hard to understand.

The phone calls are horrible just hang up as you are doing the right thing for you.

good luck and I hope that you get back to your old self soon.

let us know how you get on

LILY

I believe that angels breathe and love will live on and never leave. I cherish all you gave me everyday.

thank you all again for your kindness to me

i am not lisening to hubby and his dad and not knowing.

i need to know myse;f to my own problems. a long way to go it is new yet

how long does it take for it to all be behind the past?

mandy

Hi again Mandy
An iva full and final settlement can be done quite quickly. It will depend on how long before your husband will be giving you your money for the house. It can take about six weeks. Sometimes longer. Take your time ,and make sure you have a good insolvency practioner, they will help you through everything and if you dont understand anything ask them again or ask on the forum.
Do not let the phone calls upset you, we have all had them.
I wish you well in your recovery,and hope you feel better soon.

Ang x

shop around for the insolvency practitioner, telephone a few, or try some on this site, they can;t directly tell you to do this as they can't be seen to be touting for business, have a look at mels web site and maybe contact her through that.
make sure you are also getting your right share in regards to the house and don't be talked into anything by your hubby,take care
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

my hubby and his dad will be doing it for me but i wanted to know about it trying to find out about it and found this site good very good

i have help with me on the day place back at school ha i am learning i understand a lot but words in my head do not always work oon hear

can say them over and over if its a lot it is hard to say over and over. will tell myh dad so he will help it took thre days to get hear but good in the end did it on my own thank you





mandy

Well done Mandy.
I am glad you have come on the forum and hope we have helped. Please tell us how you are getting on and ask if you need any advice.

Ang x

mandy the people on the site are A1 fantastic, if you need to moans as i do alot, winge or just chat theys always some1 to reply to your post, until i found this site i thougt i was on my own, i never emagined so many going through the same as me.....this site has got me though the past few weeks not sure where id be with out it, i have and idea but having 4 kids its too scary a thought. good luck and keep posting xxx as i said this is such a fab site and every1 so nice and kind

Hi Mandy, I'm sorry to hear about your stroke and I hope you are soon on the mend. I also hope that you get your debt problems sorted out soon - that will be a weight off your mind. Please don't feel that you have messed up - we all make mistakes, and the fact that you are facing up to your debts means that you are going in the right direction. I messed up to the tune of £65k and went bankrupt in March - I wish I had faced up to things sooner. This is my opinion (and I know a lot of others share it!), but if you contact Melanie you won't go far wrong. Good luck, and please keep posting to let us know how you are getting on, and if you have any questions (or just want to have a moan!) please post away!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

if you do not have a job i would not go for an IVA as you will not be able to afford it. Go bankrupt instead.