I have been in my IVA for about 18 months, I am about to go through a breakup and have decided the best option would be to go bankrupt. Can someone please advise can I include pay day loans when going bankrupt?

Thank you for all your advice, just a very worrying time and feeling very sad about the breakup - will keep you all updated on my situation soon [:)]

I have been in my IVA for 18 months, I have been with my partner for the last 10 years but are now on the brink of splitting up. The house we currently live in he owns so it would mean me moving out and finding somewhere new. There is no way I could keep up my current IVA payment - my question is ca...

My IVA has been approved only with small mods - a big thank you to Melanie and her team. Have been a regular on the forum reading other peoples comments over the last few months while I have been awaiting for my own creditors meeting. Just to say that Northern Rock were my biggest creditor and they ...

I am currently awaiting my proposal from Melanie, up until 3 weeks ago I was having daily calls from Mercers but since then nothing - is this a good thing? I am really concerned they are going to turn up on my doorstep in the near future.

I am currently waiting for a proposal from Melanie so I can put forward an IVA - in the meantime I have started to receive letters from debt collection agencies, my creditors are obviously selling the debt on - can someone please advise if these are passed over who makes the decision with regards to...

Thank you for your responses - Mercers are really doing my head in they are now calling me twice a day (morning and afternoon) as if I have any further info to tell them other than I am awaiting my proposal. They are asking me to make token payments until my IVA is approved should I do this? or just...

Has anyone had dealings with Mercers Debt Collections Ltd in Liverpool, my Barclay Card account has now been passed over to them, they have called today to say that door stop collectors will be calling in 1 week (very worried) - I am currently awaiting my proposal from Melanie