Ok, so I have been hugely stupid and buried my head in the sand. Lost my house about 3 years ago and have ignored my debts ever since.
Time to wake up and get sorted.
Where do I start?
You need to speak to an expert. Visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice.
You can also come on here at anytime and someone will be around to answer any questions.
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
Have you worked out how much you owe? That can be scary, but you'll need your figures when you talk to someone. The more information you can have at hand, the easier it will be for you.
Have a look at the link Kallis has posted and read the reviews.The professionals who post on here have great feedback too. Whoever you contact, you'll still get free impartial advice on here.
Well done for making the first move in acknowledging your debts, as others have said there are lots of inoformation and support on this forum and speak to some professionals re your situation and before you know it things will begin to look better.
Good luck, I agree a fab name.
Jan
Nothing you can buy feels as good as not being in debt.
Hi welcome to the forum from myself too. Any questions ask away we're all here to help and once you've talked to 2 or 3 professionals you'll begin to feel better and realise there is a solution for you. A good IP will discuss all debt solutions with you x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
A great place to start would be to contact an insolvency practitioner, who can appraise your situation and give you good advice about the options avaialable to you.
This won't cost a penny, and you are bound to feel better when you have some choices to consider for your future.
Great advise to speak to 2 or 3 professionals. We went with the first company who rang us back and had to pay £300 upfront for advise and then started to pay £385 per month before anything had been set up.After creditors meeting our payments dropped to £317 per month. After reading this forum I wonder what happened to all the money we paid before IVA set up(around 4 months plus first £300)
Excellent - first step made! And its the biggest so now as the others have said speak to 2 or 3 companies to get free advice and find out what your options are. Whatever you do, you must feel comfortable with what you choose.
We will need to understand how big the problem is (and trust me we will have all seen much bigger!) and to work out with you how much you can realistically afford. We'll talk you through the options there are and then , all things considered, work with you on finding which option suits you best.
Don't worry, there is always a way forward.
Glad you found us as your first step!
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
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If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
