would do it today but,and i know it wrong, but we need to get my hubby to Portugal his dad been taken seriously ill.his parents are paying half but we will need to use his credit card to pay his half and anything he needs out there .this is how our life is, no money no savings!having a really bad da...

Melanie will contacting you real soon .how do i do that ?

your all amazing, thank you so much. Just knowing that we are not the only ones is such a relief. will be showing hubby when he back from work,fingers crossed he agrees that time has come.will be contacting Melanie asap. again thank you and will keep u all informed. nervous but relieved x

one of the reasons hubby worried about getting outside help is because we own our home. he is convinced we could lose it! i have also read that at the end of the IVA we would need to re mortgage! ?

thank you all for your advice and encouragement. feel stupid and totally irresponsible for allowing this to get as far as it has,fed up of sleepless nights! would an IVA help us with our large secured loan?

im not confident enough to make the call, sounds silly but get flustered and don t take things in or ask relevant questions and hubby has head buried in the sand and chooses to ignore our situation. if someone visited us we would both be there together to listen and try and sort this out

both me and hubby are working(me part time)we are really struggling with £40k of debt,4 credit cards 2 loans(1 of which is secured)we live in South Wales and would really benefit from a home visit from a debt adviser,do you know of anyone?