Lisa Thomas wrote:Are you certain an IVA is the right option for you - have you considered other options, including a Debt Relief Order?
I'd be happy to chat to you about your circumstances and give you advice.
Hi thanks you very mischievous for such a quick reply , I'm
Just not sure what the best option is for long term , I eventually
Wish to buy a house in the future with my partner , I just want to get straIght and
sorted and am currently capped on overdraft and close to missing payments on my arcs and loans
Thank you kindly once again
Michael Peoples wrote:An IVA may be an option but there are other possibilities too. An IVA will ruin your credit file for six years so should not be entered into lightly and perhaps even consolidation or balance transfers could be appropriate. Any good insolvency firm will be able to advise properly.
Hi thank you for your reply
I'm unable to consolidate or transfer as my credit rating is so bad and have a bearue or something like thT on my file ?
Michael Peoples wrote:Do you mean a BRU and if so when were you previously made bankrupt?
No sorry I've never been bankrupt or anything like that , I went to open a joint account with partner and it got declined as someone who I missed payments with in the passed put a beareu something on my file. ?
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