Thank you for the kind words. My word Bankruptcy and the official receivers office don't mess about. My banks have been informed, Monzo & Starling, I can keep these as there is no overdraft so happy there, and most of my creditors have stopped harassing me, a simple email back with my bankruptcy ord...

Thank you. Today has felt amazing, its a strange feeling to celebrate going bankrupt it's kind of feels wrong if that makes sense? But 9+ years of dealing with debt letters, companies threating to knock on the door to take items away. All that is gone, this forum and others alike provide so much val...

Bit of an update after speaking with Step Change and a couple of other debt organisations Bankruptcy was always coming out on top. I have no assets, nothing of value and am not in any arrears with my rent, an IVA after spending a few days doing research what seem all day was not going to work. So ma...

Thanks for the replies :) It's a very long emotional rollercoaster been in debt for well over 9+ years. I think deep down an IVA probably is the best route to tackle my debt problems. Just something on the back of my mind is saying take the easy way out DRO or Bankruptcy, just feel a DRO would be im...

Hi, That's rubbish that you cannot do a DRO or bankruptcy if you work! It does sound as though you were pressured into the IVA path and CF are known for charging high fees which the creditors don't always like. If you are really worried it is not too late to stop the meeting and speak to another co...

Hi I've started an IVA with CF and have the meeting of creditors on the 29th June. Very nervous about the whole thing tbh and feel a little bit down about it all. I originally had the intention of going for a DRO but somehow managed to be steered on the IVA path by the company I decided to contact. ...