Hi Any of the methods you suggested will work, but it all depends on when you are going bankrupt, if its in the next couple of months I would not bother, the £1 per month will cost your creditor more to process, they will accept it if you can show that is all you can pay because at least it is a lin...

If you are still under an Income Payments Order following discharge one year, and you come into some money say a substantial inheritance then Moonbeever could ask you to settle the balance of your existing IPO by paying the months you have left at the level it was set up so it finishes there and the...

An income payments order can be suspended or lowered after discharge, by application of the bankrupt, but cannot be increased by application of the OR because as Michael says the bankrupt is no longer under any obligation to the give the OR solicitors normally Moonbeever, ammunition to increase it, ...

hi Michael I think we are singing off the same song sheet, its just that normal advice on here is to "pop over to IVA.com for advice on a few companies, now if you have established its an IVA you want then no better place to start, however if you have a general debt problem, then by all means visit ...

Hi Michael I agree with what you say in that these organisations I suggest she contacts, along with the fee paying firms, do charge for IVA work, however it is not established the poster should do an IVA or even benefit from one, it is that which is the reason I suggest she at least talks with these...

Hi Maz

Also there is stepchange, Payplan, and the money advice service, these are non profit organisations, I think everyone should at least include a call to one of these organisations, not saying they are better than the fee paying ones but advice should be compared

Hi Sdt23 The earnings of your boyfriend are of no business to the OR, if you are earning and claiming living allowances and subject to an Income Payments Order then the Official Receiver will only want to ensure anyone living with you are paying their rightful share of the living expenses. If you ar...

HI Supergirl There is nothing to stop you petitioning for voluntary bankruptcy with an IVA in force. The problem is and its not a big problem you will need to write in to the court and tell them your IP will not issue a termination letter or fail your IVA however you understand that under rule 6.42 ...

How any company without self interest can say start an IVA and see how it goes is beyond me especially in your situation

Hi Richard

That is not a good start, time I think to take a breath, and tell the courier you will use the post when you are ready and confident, May also be a good idea to try another firm for comparison while it is not too late

Hi Foggy No I would not post my passport to anyone known or unknown, however this could just be a communication issue,with Ramsey Lomas and the OP, we needed ID the same due and did not want to be responsible for missing passports, the way round this was to ask the client to phgotograph the passport...

Hi Skippy There will always be exceptions, I say what I say from expierience of the claims management industry which I am from. Solicitors did not like our industry treading on their toes but come to a point where they had to accept we were here to stay and bought about a new service to the industry...

There is another angle to this with introducers, in that they will only introduce to IPs who give good service, otherwise they get no more work from the introducer, companies like the one mentioned will possibly have high spending budgets so it would be important that customers are treated well. The...

Hi Flamingate

Can you just advise for the record, do you have a financial issue which requires attention or are you completeing a thesis on debt solutions?

If you were considering bankruptcy you would stop paying the credit cards in order to get the fees together to petition. Credit card companies will ring ring and ring and send letters but in three months they are unlikley to get CCJs, charging orders, or attachment to earnings, default notices attac...