Well so far so good, been to see the judge, and he's agreed its the only option I had, and after a 10 min chat, he signed the forms and wished me well, and hopes it works out ok for us in the future. now i just need to see the OR, Thats the bit i'm dreading now! thanks for all your help, support and...

Well, yesterday I toke advice from the official helpline, and they have told me that BR is the best option, I've been to my 2 banks and taken all the money out, I've rang the court and I'm booked in for Thursday, so now i'm sitting here filling the forms in, with my heart still going like mad! I've ...

thank you again for your help, having read through all the forum, and the articles, it seems that I won't be accepted for an IVA, due to nearly all of my debt being with one bank (Lloyds), and also because my income is not regular and enough to pay a minimum regular payment. so i think the best opti...

Just wanted to say thank you to everyone who has replied, i'm going to have a good think about what you have said, and then pluck up the courage to get it sorted. just one question though to Melanie, you say to get my home sorted first, i'm not sure i have an option, as i can't afford to buy. and if...

Hi, I am needing some advice, as I'm worried sick, The house has long gone, I owe over £30,000 in unsecured loans and credit card debts, at the moment I am living on credit cards, whilst my little income and redundancy money is paying the minimum payments, I was meeting the minimum payments ok, unti...