I have just had a ccj against me with forthwith payment. I have other debts and in fact another ccj pending. I am interested in doing an iva but concerned that the ccj dated 09/02/11 will kick in before I can sort this and bailiff action etc may occur. Can you help?
Hi Matt
Welcome. Suggest you contact 2/3 IP's whose details you can find on www.iva.com and discuss your personal circumstances with them. They will give you free non partial non judgemental advice about the options that are available to you enabling you to make the choice of the correct way forward for you as an individual. Just pick up the phone, believe me, they have heard it all before and will find a solution for you
A creditor obtained a CCJ against me in July last year and my IVA was approved in August, which superseded the CCJ.
As nepensioner says, your best move now would be to talk to a few IPs to get free impartial advice and then decide if an IVA is the best option for you.
Good luck and keep us posted on how youe getting on. This site is excellent for support when going through debt problems and solutions.
Regards
st75
regards
st75
Started lump sum IVA in Aug 2010 - received certificate of completion April 2011, thanks to Melanie & team
Hi and welcome! Sounds like you need to take action sooner rather than later. IPs are lovely people, very easy to talk to and not at all judgemental. Speak to two or three and go with the one who you feel most comfortable with. Best of luck x
Visit the link posted above and have a chat. The advice is free and impartial and will help you decide the best way forward.
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