Hi.i was in an IVA that failed in Dec 2007. I am now in the process of applying for bankruptcy but appear to have mislaid my certificate of faliure of an IVA. I have been in contact with clearstart who i took my IVA out with.But they have now been taken over by debt free direct who are not much help...

Hi my partner is considering an IVA owing just over £20,000 to 4 different lenders. She has one CCJ against her name and one threat of a CCJ against her at the moment.My question is that once a CCJ has been issued for the debt can that debt be included in an IVA proposal or would they have to be sep...

Hi all.Im filling out a rough copy of my bankruptcy forms at the moment ive been given a list of creditors from my IP.But today i have recieved a letter from my old bank who have hit my old account with charges and have also taken 3 months of loan repayments which were included in my IVA. They are c...

Thanks Melanie..Does anyone know if im obligated to inform my IP im going bankrupt

Thanks all. Ive spoken to someone at my IP'S office today who has said they will post me the amounts i owe my creditors even though they did seem reluctant to do so. I also spoke to someone at citizens advice who was most helpful and has offered to help me fill the Bankruptcy forms in once i get the...

Thanks for the advice Kerri.. I'll get on to my IP on Monday and i'll let you know how i get on..Thanks once again for your time...

Hi ScaredKez..The reason why in giving up on my IVA is that im going on reduced wages shortly after being off from work since June..And now due to my reduced wages not being able to afford my IVA payment every month..Ive just been signed off for another month and to be honest im not sure when or if ...

Hi ScaredKez thanks for the advice I'll get in touch with my IP on Monday hopefully they'll agree to give me the information i need.. Not sure if you know the answer but can my IP stop me from going Bankrupt.Its just whoever i spoke to at my IP'S office didnt seem keen to go down this road..

After my previous posting ive taken my friends advice and am going to go down the Bankruptcy road. Ive obtained the forms but am not sure about the questions about list of unsecured creditors.. Im in an IVA at the moment so do i declare my IVA as my actual debt owed or do i have to get all the infor...

Hi the person i spoke too at my IP'S office. Didnt mention any bankruptcy as an option at all.If i decide to file for bankruptcy how do i do this as my IP has all my paperwork etc..

Hi i posted a message earlier this week explaining how ive been off work for a number of weeks and how i couldnt aford to pay my IVA due to being on reduced wages.I spoke to someone at my IP'S office today who informed that if its not paid they can carry it over until next month or pay extra every m...

Hi all.. I began my IVA in March 2007 and all was well but have recently been off work with ill health as i am about to go on reduced pay im not sure what to do as with regards to paying my IVA.. I have been advised by friends to apply for bankruptcy as i dont have any assests but im unsure about wh...

Hi my IVA was accepted on the 29th March 2007.When i applied for my IVA i forgot to include 2 of my storecards. These companies are now chasing me for over £700 can i include this money in the IVA or do i have to repay it.
thanks

Hi all.
Just a general question to you all my car has packed up. And i had my IVA agreed last Thursday. I have been told i cant obtain anything on credit. But does this include a car with a loan that is secured on the car.
Thanks

Just to let you all now my IVA was approved on Thursday..And my offer of 26p in the pond was accepted.. Thanks to you all for your help and advice.. Good luck to you all[:D]