Hi angela/buttercup
It is such a difficult time and such a rollercoster of emotions and worry while setting up your iva's. Somedays I wondered if I could take any more stress and creditor phone calls would send me to tears and I felt so desperate.
The worst thing is thinking 'What if my iva is not accepted' as you are pinning all hopes on that. I would say to remember that the vast majority of iva's are accepted and Melanie would not waste time on a proposal that did not have a great chance of success. As soon as Melanie started acting for me (Long story but I did start off with another company) I relaxed a lot and felt confident in her and her team. I had my iva accepted in November and it all still feels a bit strange (can't explain strange, but it is strange good[:)])
Please don't worry to much as you will make yourselves ill which will not help, you are not faliures at all and it takes courage to sort everything out which you are doing.
Remember that the forum is a great place if you need support and I believe it was the only thing that got me through the iva process as I told no friends or family what I was doing so was all alone.
Also agree with cat that you feel so much more in control and know exactly where you are and spare money is yours to do with what you want. Before my iva, like cat, I was using credit to pay for credit and had no money of my own to spend.
Good luck and Melanie, Tina, Angela, Sarah and all the other wonderful staff will look after you[:)]
Mikey - Best of luck for next Thursday, don't forget to post results. You are right one of the best things is no more calls or letters. I got some for about a week after acceptance but then nothing which was (and still is) pure bliss..
Good luck
Emma x
Be positive & look after yourself, there are more important things in life than debts....
Best Wishes
Emma x
