That's good heavydebt, you've taken a massive step and also picked an excellent firm to help you.
Let Mel and her team take the strain and sort an IVA out for you. The feeling when it is approved is wonderful and all the stress just melts away.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Glad that we have been able to help and don't rush into a decision overnight. Let us take away some of the pressure of dealing with your creditors, whilst you take time to make sure you are making the right decisions.
Thankyou to both of you. The support on here is amazing. Everytime somone replies to me I feel priviledged that you take the time to respond. It's so nice to talk to people who don't judge you, you're all very kind. I don't think I would of picked up the phone had I not found this forum [8)] x x
The future's bright, the future's debt free. In 72 months to be exact!
It's what we're here for. I, and a lot of people on here, have been where you are and know how it feels.
The support and friendship on here is second to none.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Maybe one day I will be able to advise other people, although I am hoping huge debts, like mine, start to die out as credit becomes less readily available...
The future's bright, the future's debt free. In 72 months to be exact!
Good for you, phoning Mel's team for advice is a smart move. They'll advise you what to do for the best and hopefully you'll be ready to take the adviice. Honestly, once you do you'll feel relieved and will be able to see a future without debt.
I'm not saying it will always be easy, but it will be better than overspending each month and dreading the bills. The forum will support you every step of the way.
You've made that call and you're on the road to sorting your problems, with Melanie you wont' go far wrong and the forum would never judge anyone as we've all been there at some point. All the best x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
