Mel will do her very best for you, and if an IVA is not viable, then she will help you sort something else out.
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 am really worried about stopping the payments I am making to the debt management company as I now have a CCJ against me and even if it means that some days I go without food, I would prefer to pay until something else is sorted out as I do not want any further CCJ's or hassle from the creditors.
I know I have been a naive fool by trusting people and I have learnt the hard way. I really hope that something can be sorted out, I look forward to speaking to you
If that is what you want to do then carry on, but I suggest that you reduce the payments to your current level of disposable income as disclosed to my colleague this evening.
You should not have to run short on food just to meet debt repayments - creditors would simply not expect you to do this.
Listen to what Mel says as the advice is second to none.
You are in very safe hands.
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
