Can anyone tell me where I can get a copy of the form you fill in online to go BR? I have been to Gov.uk but you have to stat the application process to get to the form and I dont want to do that yet. I want to read through everything first, I tried searching for a copy online but cant find one!! Al...

Thanks for the advice and clarification on the BR option. I just do not know what to do for the best. The worry with the IVA would be that my benefits changed. My PIP is on an award until 2026. Due to my ongoing health issues I have been declared unfit for work but I dont know what the date is for t...

Thanks very much for your reply and the information I appreciate it. As I understood it (correct me if I am wrong) if you went bankrupt the official receiver came to your property and looked at what you own that could be sold to repay debts?? So for example I have a large TV in the front room and a ...

I would rather not go down the bankruptcy route, they would still take the car and while I dont have much in the flat, I would rather it wasnt put at risk of the receiver deciding it could be sold. A mobility vehicle isnt an option Im afraid, when I was on DLA I had high rate mobility and medium car...

<t>I have been advised by Stepchange that an IVA is my best course of action to deal with my now spiralling debts. In the past 2 years I have lost my business, my marriage has ended and my physical and mental health are both poor. I have been declared unfit for work by the DWP and living off Univers...