Thanks for your advise & support.
Im going to start ringing today & will let you know how i get on
Thanks again[:)]

Thanks everyone for your advise i will give a variety of people a ring. As most of you have dealt with IVA's personally, one of my main worries is how you live life on a day to day basis - what if your situation changes ? I have two small children worry that if i do commit to an IVA will i be able t...

Thanks Jan, Do you know if the CCCS is impartial & accurate with their advice ?? Also how do you know if the IP who gets your case has the experience & results you'd want ie from reading some sites there appears to be alot of people who have little experience in this field yet are responsible for ha...

Hi Thanks for your response. It's so confusing as the advice i have received up to know is conflicting. I don't really know where to start i just know that if i continue as i am i will end up loosing my house & everything ? I was told an DMP probably would'nt be an option as it would take approx 12 ...

I have approx £44,000 worth of debt & i am really struggling to repay them & keep food on the table. My creditors are Lloyds TSb (33,600) MBNA, Santander, Natwest, HSBC, Barclaycard & HFC. It has been suggested that i do an IVA but i really don't know who to trust or how the best way to get advice ...