Hi Melanie.Thanks for your advice.much appreciated. Because we are struggling paying the mortgage and secured loans now and keeping up to date with bills and everything,would it be better if we sell the house and apply for IVA?as there is probably no equity at this time anyway because we owe the ban...

Hi Carl!thanks for your reply.DFH has mentioned to me about IVA before,but I wasnt very keen on it before,maybe because I had limited informations about it,although the IP have discussed things with us,I think i wasnt sufficient enough to convince us at that time. I actually want to exclude the prop...

Hi Melanie,thanks for your reply.I am actually considering IVA as my primary solution now.But first I want to clear some of my small debts like Provident,and cash advance.perhaps by selling our car.then its just a case of who to go with really.I really want to start the process now.hope you can help...

Hi Melanie!Thanks for your reply. Just want to reply to your questions.My DMP is with the Debt free helpline,I pay £435 each month.Our house is probably worth 115k at this time and Ive got an outstanding mortgage of 68000,secured loan of 24,000 and 15000.so theres not much equity at this time really...

My husband and I have applied for a debt management last year, we have so many debts,loans and credit cards,overdrafts here and there,amounting more than 40,000 and so we have decided to tidy up our finances a bit by entering into this kind of agreement.It has been in place for almost 6 months now,s...