i have recently found work but only part time. my weekly income is about 140 pounds a week.
i have aboutt 13,000 pounds owed on credit cards and as well as debts to individuals totalling about 7,000 pounds. my outgo is greater than my income and i do not see an immediate way out of this. please help in any way you can.
You won't have enough money for an IVA, but you might be able to a debt management plan.
I recommend that you speak to an expert. Visit www.iva.com for a list of companies and reviews and give one or two a ring, you will receive free and impartial advice.
Hopefully one of them can help you 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