Thank you for all the contributions, it's very useful to hear all of the different opinions not just from professionals but from those that are going/been through it, hence, why I have asked the questions that I have. It is not that I doubt any of the advice given, it's just sometimes tough to be co...

Hi Melanie, To be honest, I am not entirely comfortable with delaying it as I think it just going to make the process even tougher. I fully understand that no matter which way you go about it, it isn't going to be easy but I am not fancying having to keep creditors at bay for longer than I need to. ...

Hi Melanie, I think they are referring to the fact that I have betting transactions on my statements, i.e. creditors could view that I would not be able to sustain IVA payments should I bet a lot in the future. Being absolutely honest by nature I would not, as said previously I am a little confused ...

Thank you all for your kind words and advice. I have spoken to a few different places and decided to go with CCCS' IVA department. I am up to the stage of signing the document to allow them to represent me then will be sending in all of the paperwork. From the conversation today, I think mine may ta...

Thank you for your reply, my partner isn't financially linked to me in any way and she is being very supportive too. I just keep feeling I have let her down. I am dealing with CCCS, they are recommending that a make a small, nominal payment to each. Is this advisable? They have also said to send a l...

Oh and another question, is it normal to feel guilty or ashamed?? I am so stressed at the moment. Everything seems such a panic!

Hi All, I would be grateful if anyone could arrest some worries/fears. I have decided that an IVA is the way to go for me, it has been a little reluctant but has been heavily influenced by factors beyond my control. I have a couple of (probably) silly questions. I have this nagging worrying feeling ...