Hello I wld just like to say thank you to everyone for there help and support I have a meeting next week with Paul Johns who will first off advise me and give me some time lines. I have definitely decided to go BR as this is the best option for me I will speak to my IP once I have sorted everything ...

Hi Paul Melaine Giles has siad I should contact you, I am currently in a IVA which I have paid about £5000 into, I have just found out I am 7 weeks pregnant and have tried speaking to my IVA people about me going bankrupt as I will not be able to afford the repayments going forward. They will not ta...

Hi There exact words were we cannot look t the IVA until we know what you will be earning once oyu go on maternity leave I said to her that is when I am nearly 9 months and she said we cannot discuss it now as it is too early!!! Sorry to be dumb who is Paul Johns and where would I find his details ?

Hi Me again, I spoke to Blair Endersby yesterday who are my IVA people and they will not entertain me until I am 8-9 months preganant, I cannot leave it that long as I need to buy things and put money away for when I am not working, I am really confused and stressed please help ?

Thank you everyone.

I have called my IP today and I am waiting on a call back.

Once final question - Due to my circumstances and income being so low after I have had the baby, will the court make me pay anymore money back I have so far paid back into the IVA approx £5000.

Hi I called the insolvency service and the customer service person on the phone said I would not be able to declare myself bankrupt as I was in an IVA and I would have to fail the IVA and then wait for them to declare me bankrupt ? Regarding the car does that mean that Fiat will take the car back an...

Hi Again

Thanks for all the advise.

I have been told that I cannot make myself bankrupt the IVA company needs to do this I think that they will then have to pay all charges ? also I have a car on HP can this be put into the Bankruptcy ? as I will not be able to afford the car either.

Thanks for all the Advise Melanie and everyone else. I have no assets and I am in private rental which I will not be able to afford either once the baby is here. I have one other question - I have finance on a car and would like this put into the Bankruptcy how would I go about this as this is anoth...

I have just found out that I am 7 weeks preganant. I have currently paid into my IVA for 2 years and will not be able to afford the repayments going forward. I have £9000 left ot pay and was thinking of offering them £2000 as finaly settlement my brother will lend me this. If they do not except it t...