Hi
We have all felt like this during the IVA procedure.You go from paying your creditors on time each and every month to not paying at all and it is a strange feeling.However you are insolvent and can only pay them in full if you use credit,this is clearly wrong.
Some IPs suggest token payments but whatever you do it will not affect the outcome of your IVA,the important thing is to follow and stick to your IPs advice.When creditors phone just state that you are taking professional advice and are arranging an IVA,give them your IPs name and contact details and that's it.
You will find that it gets easier as the weeks go by
Regards
Andy Davie
IVA.co.uk Spokesperson and Website Manager
About me:
http://www.iva.co.uk/andy_davie_profile.asp
IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
