what will happen if my partner can't get a job?

[indebtforever]

yes the dreaded review i think everyone panicks at that time and when it over what a relief

[lighton]

40 grand was overall debt,ive 4 children 2 teenagers 18 and 19 and a 8 year old .Hard work teenagers.

[indebtforever]

are you sure you are claiming for everything that your entitled to? there is a good thing on the web it does it for you called

http://entitledto.co.uk

[lighton]

I think we are we have a special needs social worker and she really is good at helping us sort things out.

[indebtforever]

time for bed for me nice talking to you keep posting and speaking on here the help and support keeps me going

good night and the best of luck[:)]

[lighton]

Same to you have enjoyed chat chat feel better now thank you ,nyt nyt and good luck to you.Qick question how long have you got left in your iva?

[indebtforever]

just under 3 years left but i have been able to loan some money from my brother in law and have offered a full and final settlement i hope they agree it is for a bit less than i owe

[lighton]

That will be fantastic i do wish you luck .Good night

[lighton]

Hi i was wondering if melanie giles could answery original question.Thank you

[lighton]

hello any advice

[LoneRanger]

Hi

I hope ypu do get sorted soon. It would be such a shame for an IVA to fail so far in. Im sure Melanie will get back to you soon.

Take Care

Steve

[MelanieGiles]

Hi Lighton - sorry about delay, but I just got back from the Frugal Friends meeting in Bradford!

The question is really one for your own IP to be honest. One the one hand your disposable income is further reduced, and you have already suffered on variation, on the other hand you still have money which could be offered to creditors on an ongoing basis. I would try and get your IP to put forward a variation to creditors, and if this is turned down then consider whether bankruptcy is not a better option.

[lighton]

Thank you Melanie.My partner is waiting to hear on a job ,it looks promising .Should hear next week.I start part time in september as long as we can arrange specialist childcare so fingers crossed all will work out.My mum has suggested that she may be willing to settle this for me earlier , how would i go about this.How much would we need to pay to finalise this.oRGINAL DEBT WAS 40 GRAND COMBINED AND WE HAVE SO FAR PAID in around £9500 we have 23 months left of iva

[lighton]

Do you think bankruptcy would be a better route.We would be able to pay the 250 a month but not a further 194 on top

[MelanieGiles]

Do you have any assets which would be at risk under bankruptcy proceedings?