no not yet my dad is going through things at the moment couse his is numericly minded
and is good at sorting this stuff out
but he thinks this is a good idea

how long before i get excepted from the initional application?

ok thats reasuring

well basicly i own around 15000 inculuding rent areas 1 have 4 credit cards and 3 hps and 1 bankloan i also have agreements with my mobile phone company which i cant get out of and also my bt phone bill. my out goings are are slighly more than my incommings i was going to go for the iva thing but so...

ive heard that you can go to jail if you fail to pay the amount due ? this worries me! is this true?