Thank you - this forum is fab

Just in the thinking stage but realistically this is the route for me. I haven't shopped around yet but I have a 'under no obligation' meeting on Thursday with a rep from MoneyExpert - the company who actually suggested an IVA. I'm pretty impressed with the service to date and have actually just pos...

Has anyone used MoneyExpert to set up their IVA? I approached them for advice on a suitable loan and they suggested an IVA (not heard of one before) which having spoken to them, read through this website and used this forum seems the best route for me. They've been really reassuring to date but I wo...

Thank you bigpete, petes39, cybus, emma T, ThomasCharles and Mrs Skint for your replies - they've been very helpful

What happens if creditors refuse an IVA - I'd rather pay back over the next 20 years than go bankrupt