thanks everyone for your advice.i did read your blog scaredkez,i also spoke to gina who said almost word for word what she said to you.at the time i felt relieved but when she started to bump my expenditures up unrealistically,i felt something wasn't quite right,i'm so glad i came across your blog w...

Hi.my husband and I are currently in the process of setting up our iva,and quite honestly,i'm stressed already about the whole thing.We owe roughly 60k,we are both employed but we rent our home.Are creditors are HSBC,Halifax,Argos and Egg.Do you think our proposal will be accepted?we've worked out t...