Hmm, just worked out exactly how much I owe, and it wasn't a pretty site :S (About £5k more than I thought) Anyway, I've booked tomorrow off work so I can open a new bank account and start sorting things out. Melanie, I'll probably give you a call at some point during the day. I've done a spreadshee...

Thanks for the replies, Melanie and Elizabeth, they've been very helpful. I have one more question that I've thought of. I noticed on the FAQ pages that you're generally only considered for an IVA if you have 3 or more creditors. Currently I have an overdraft and a credit card with my high-street ba...

Hi, this is my first post on here, but I've been reading the site for the last few weeks. Basically, I'm in a whole heap of debt, some of which is historical (built up whilst trying to pay a mortgage and support a family on one fairly meagre income), and some of which is my own doing (drink problem ...