Don't worry about the creditors. They will phone and write, and try to bully you into paying. Don't let them get to you. Either ignore the phone, or just be polite, tell them you are trying to sort yourself out and then put the phone down.
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
I REALLY WOULD LIKE TO GET AN IVA STARTED BUT IS IT WISE TO GET NEW ACCOUNT SET FIRST. I KNOW THE PEOPLE ON HERE ARE LOVELY SOME NICE PERSON MIGHT ADVISE ME
Visit www.iva.com where you can select from reviews an IP who would be able to help and give you appropriate advice.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
I am in an IVA, have been for 6 months and it has changed my life. I would phone an IP for advice, that costs nothing and all of your options will be explained to you.
Your bank account should have been opened by then, and you can go down whichever route is right for you.
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
BUT YOUVE BEEN LOVELY TA HUN HOPE YOU HAVE SOME GOOD LUCK MAYBE NICE LOTTO WIN !