Hello Joe and welcome,

Feel free to ask any question. Im sure you will find all the support you need in this forum.

Regards,
Michelle P.

Hi debbiw,

Good luck. Don't forget to post the results!!

Regards,
Michelle P.

Hi caraf,

I'm not sure if this is what you want to know but
if you owe 31750 out of 85k then you owe 37% of that debt.

Regards,
Michelle P.

Hi caraf,

Some statements will show you the total debt others wont so you can call your creditors or get a credit report.
As for the YES criteria i'm afraid there isn't any it's all down to the creditors. There are some more likely to accept proposals others wont.

Regards,
Michelle P.

Hi nic,

Congratulations!! All the best!

Regards,
Michelle P.

Hi skint,

Congratulations on your full & final!!

Regards,
Michelle P.

Hi nic,

It looks like you only have supportive creditors!
All the best.

Regards,
Michelle P.

Hi julie_7, AS long as you have some money to pay your creditors back (minimum of £200/£250) an IVA could be a feasible option. If you don't have any assets you could also consider bankruptcy. However if you decide to go trough the IVA route I think you should consider having a chat with your partne...

Hi wheresstu,

Yes its possible to have a basic account whit direct debits. I believe Abbey, Co-op and Natwest allow you to have dd and standing orders.

Regards,
Michelle P.

Hi john.my

You will likely be committing to a joint income and expenditure budget however he wont be included in your IVA.

Regards,
Michelle P.

Great news woody!
All the best for the future.


Regards,
Michelle P.

Good luck for the meeting katy.
Let us know how you get on.

Regards,
Michelle P.

Hi and welcome, Glad to hear that you have taken the first step. Im sure you will find here in this forum the expert advice and information you need to help you go through this problem. Could you tell us how much is your debt? How many creditors you have? Do you won a property and theres any equity ...

Really great news lizzie!!!
Congratulations!

Regards,
Michelle P.

Hi R1chard,

Your details will be removed from the register when your IVA completes but your IVA will remain on your credit file for 6 years from the start of the agreement.

Regards,
Michelle P.