When exactly does a bankrupt person start the IPA in Bankruptcy is it after you are discharged or soon after the or meeting .

thanks
n_b

Thanks melanie,

We will await your phone call, to advise us further but we are just getting as much info as possible together in our own minds to make the final decision. speak later this week .

Thanks

Nicki

I realise this is in the wrong place now ... does anyone know how would the car stand in bankruptcy. worth between £3500-£4000 but owe £1500 on car repayment amount is £195 got 8 months left , work shifts and travel all over the north west to different stations , Do you think hubby could keep car? n_b

Thanks for the fast reply melanie , just getting as much info as possible as we spoke to Philip this morning , and it wasn't good news , as your probably aware.

Nicki

How is overtime looked at in Bankruptcy??does anyone know ?

Thanks
n_b

Cheers everyone for replying I just felt I had to rant a little will keep you all posted on my IVA . [:D]

Hi sensible77 I know they just want their cash but I did say to them we are not favouring any of creditors!!! and did advise that they will have to wait for outcome of IVA.. obviously they are not happy about this I know I wouldn't be!!! but I 've let every creditor know whats happening they knew wh...

CONGRATULATIONS [:)]

[:(] A CREDITCARD Company have just phoned requesting immediate payment, explained in process of IVA and they said we know we've had your letter etc explaining this but as you ( meaning me) haven't provided a court Date yet!!! (only been a couple of weeks ! what do they want blood !!!! oh no forgot ...

before myself and hubby decided to go for Iva hubby was already with CCCS and I had made own agreements with creditors... whilst we were struggling cccs had disregarded my debts in the agreement as i had my own arrangements but included me in the hubbies agreement by where I was down as paying all u...

Hi Mish,

well done for that lengthy post, so how long are you actually stuck to that budget, is that for the 3 years or till you are discharged ??[?]

also why if you don't mind me asking was your food bill so low ??[?] was this the amount allowed in IVA ??

Enjoy your food shop

N_b [:)]

hi there, I have 3 accounts with Blair oliver and scott, they called me last week and when I explained that I was entering an IVA they said fine and put acount on hold for 30 Days ... to be honest they have been ok and have never really had a problem with them even when I entered an arrangement with...

I have been looking into opening another basic bank account just in case my step account gets closed....and have found that Clydsdale/yorkshire bank (linked) have basic bank accounts with a Maestro debit card and do not charge a fee and you get online banking and s/o and dd facility you have to go i...

Hi Storm,

Both are upto date and will be included in Iva so no problems with payments. Am I best to tell them we are entering IVA or just say Nothing??[?]

Hi there, we are in the process of setting our Iva up.. and I asked this question the other day would I loose cars.. we have 2 cars on HP Hubby's has 7 months left on his and I have 3 years . Again problem comes we both need are cars hubby is a paramedic and travels some distances and some ungodly h...