We've not in IVA at the moment Anap it's something we're considering. Sam I may contact you tomorrow. I would rather my husband be here with me as I don't understand a lot of the jargon!!

The thing is we've never missed a payment nor are we behind on any. It's just that we've been reliant on our overdraft and credit cards to live whilst we waited for a pay rise that never surfaced and currently nor will it. Next month our payments will take us over our overdraft limit which will then...

We have a debt of around £26000 with 3 different creditors and although we are meeting the payments each month living is becoming more and more difficult to the point we know we will end up in trouble soon. My Dad has suggested we take out a personal loan for this amount to consolidate it and have ...