I felt this question was answered exctly how i was thinking, i did go Bankrupt and kept my home...but as stated by Andy it depends on the Individual concerned on how you view your debt, my IVA was turned down but im more than happy now, that it was, thanks all. B word not as bad as you`d think ? (im...

All signed up and survey done...i wandered how the letters knew my situation???? as i had never contacted the people in the letters...tird stranglers if you ask me lol ;0)

B word not as bad as you`d think ? (im gonna find out soon)Since found out and turned out great!!!

I thought after 6 years... this being erased, leaves it to the person to decide to disclose as no one now knows? i dont think i will mention it after 6 years....and when i renew my mortgage i could leave it to a variable rate for 1 year as im in a fixed term for 5 years then get a nice low rate lol ...

Just recently gone BR myself...so heres a couple of answers, (1) Re your home... You will need to get 3 valuations then they work out the average price, roughly the same you owe or maybe a little more....the more equity, the more it will cost to buy back...you will need to pay them about £450 for th...

After spending 5 years paying into an IVA after satisfying/completing... does it then stay on your credit report for another 6 years after? Also what is the difference... after going Bankrupt then after 6 years when it is removed from your credit report (experian) What are the advantages of an IVA ...

Lol at Tracy ....RESULT ha ha ha.

B word not as bad as you`d think ? (im gonna find out soon)Since found out and turned out great!!!

Hi Isthereanend....you have now started the ball rolling...you should now be winding down and relaxing and looking to the future being debt free in about 5 years which wouldnt of happened if you had not got the ball rolling already, so be proud your doing something either way its going to be gone is...

Hi....before i went br...the last time i used any credit cards was 3 months before, as soon as i had contacted the credit card companies i felt i had to live off of my own money (if poss) however when i contacted them i reduced the payments dramatically that i paid them each month £5...which helped ...

Sometimes catswhiskers you need to take the bull by the horns and do it, i had a business i sold to a friend, assets say i said (in your case) 1000 quid....i would sell it to him for as much as i could get (whatever he offered) just got to go im afraid...say £500 now im sure you would of spent this ...

P.S. All my bills are direct debit now or pay them at the Post Office still in my name...no pre pay meters.....good luck any other help, i will keep my eye on your posts ok....

B word not as bad as you`d think ? (im gonna find out soon)Since found out and turned out great!!!

They will ask for old and current accounts, i suggest taking your name from that account or closing it, they may look at it "but" if its someone elses account by then along with your old shop (which is nothing to do with you now)they wont touch the dosh, if there is loads of cash in it when they loo...

Angie its probably one of the better moves you will ever make....the B word we call it in our house LOL...just think of the years ahead where now you can give them, holidays, nights out when they are older, driving lessons in the future, the list is endless i couldnt of done this if i had continued ...

I got no IPA also...still waiting the discharge mind...... i emailed you dont know if you have same address but wont mention it!! any how i will go through the cloak and dagger unless i hear from you otherwise ...... caio for now Darren... B word not as bad as you`d think ? (im gonna find out soon) ...

5 months hope mines like that how did you get that thats great ....well there you go superb lol

B word not as bad as you`d think ? (im gonna find out soon)Since found out and turned out great!!!

Hi Douglass when you go into the County Court Matey they are really quite nice and pleasant...and you will lookaround and maybe see 3 or 4 people, couples like yourself (i saw 7) with me they put us all together, never even saw the Judge we were all called into a room and got our bankruptcy orders a...