thank you for your help, its very much appreciated at worrying times like this

It will be a little tight but it is nearly half of the monthly payments i am paying now. I have gone through my figures and because i still live at with parents can afford to do this. i was told that the creditors would like you to pay as much as possible. i also told them that i owe my parents £800...

i have taken advice today and have been told that out of my take home pay of £1508 i have £471 disposable income. This is the amount i am prepared to offer my creditors with debts of £28000

My current repayments to loans credit cards etc are approx £800. After a take home pay of £1500.My current monthly outgoings are approx £750 for rent food travel etc (currently living off credit card and borrowing money off family for spending money. If i were to set up an iva would they take everyt...

My current repayments to loans credit cards etc are approx £800. After a take home pay of £1500.My current monthly outgoings are approx £750 for rent food travel etc (currently living off credit card and borrowing money off family for spending money. If i were to set up an iva would they take everyt...

when starting an iva can the creditors send the bailiffs to my parents house where i live

Just out of curiosity, on average how many phone calls/ letter do you get

can anyone reccommend a good ip, who can help me set up an iva

did you find the iva applying process difficult and did you get hassled a lot

yes i pay £300 per month, which i have been borrowing off my brother for the last two months, i feel really down and disappointed with myself for getting in this mess, and am very nervous about applying for an iva

My parents have tried to help me before, but i am in such a mess with my finances, that if i don't sort myself out they have threatened to throw me out, so telling them at this stage is a definite no no.Do i need to tell them where the letter is going, will they be contacted by the iva people?

as i live at home with parents, i have 28k debt and my best option at the moment is an iva, is completely confidential and would my parents need to find out