Thanks Melanie for the reply. I have submitted a form on your website and will hopefully be speaking to someone tomorrow. I have been following this forum for ages but it has taken me this long to pluck up the courage and swallow my pride enough to ask for help.
Thanks again

Can you tell me what is allowed as part of your expenses if you enter an IVA. For example what is allowed for food,clothes school things etc. Also I have a personal debt to my parents would that be taken into account as part of my expenses before disposable income? My ex husband also pays child supp...

Thankyou so much for forwarding my link. Everything helps. Just to update you all. I came clean to my parents. I am 35 yrs old and had to confess to my mum and dad what mess I was in. It had to be the most demoralizing thing I have ever done. They were brought up to believe you didn't borrow money. ...

Thanks Melanie


Rachel Harding
http://www.yourkidsshop.com

Hi Melanie thanks for the advice. Thats really what I wanted to do. The property I own is rented out so can't release any equity on it as its a buy to let mortgage. Out goings low as we don't pay gas electricity etc as its a business premises we live in. How do I go about restructuring? Tried to get...

Thank you all so much for the support you are already giving. I go in for major surgery in 2 weeks and just want to get a bit organised before I go in

Rachel Harding
http://www.yourkidsshop.com

Hi Yes I own a home but rent it out as we have had to move into my partners work premises as that is a condition of his employment so I can't release any equity already tried that. To be honest dont think there really is any equity at moment

Rachel Harding
http://www.yourkidsshop.com

Well I am writing this with tears running down my face. Feel an emotional wreck at the moment. I have got myself in a mess. It is all my fault but I need to face up to it. Hope someone can offer some advice I owe the following halifax 7700 egg 7000 mint 10000 mint 7000 mbna 8000 mbna 3000 northern r...