good news, kiki, congratulations!

good luck and let us know asap!

dear MelanieGiles, thank you for answering me questions and helping so many people here, you are very kind!

MelanieGiles is very good, she is recomended by lots of people, because i am in london, i will have an interview with Grosvenors who locates in london, they sound good as well, there is no upfront fees.

thank you all so much, i will stay in touch with you guys!

in my case,they are half and half,it will not be enough by calculating basic wages only, but i can prove it with last 3 years p60 that they are sort of steady income.

thanks, does it mean the tips and service charge will be discounted in 50 percent?

thanks pbeck, another question is my income cosists of wages, service charge and tips, which last 2 are variable. i can provide 3 years p60 to prove although they are varieable, they(p60 of wages and troncmaster) are over 1750pounds(disposable income). will this varieability be a problem, i mean, in...

shall i try DMP instead? how much chance do creditors accept to stop interest and other charges? i still prefer iva, for it is formal.

thanks!

just called an IP's office in london, his assistant says never find this is a problem, only have problem with people do not have enough disposable income, she also says, DMP takes longer with increased interest which is more risky in the creditors' point of view. anyway, i booked an interview this T...

i prefer iva because the interest is frozen, not like
DMP, only the minority creditors will decrease the interest and it is informal.

will they say no to my proposal because i have large disposalble income?

in the meantime, i will recalculate my expenditure sheet, thanks!

thank you very much for your help!

hi, i have debts(credits and loans) of 42k, my salary after tax is 1750 per month and monthly arround 1150, disposable income 650, i want to go for iva, how much chance do you think i have? and how much will i need to pay every month?

thanks!

hi, i have debts(credits and loans) of 42k, my salary after tax is 1750 per month and monthly arround 1150, disposable income 650, i want to go for iva, how much chance do you think i have? and how much will i need to pay every month?

thanks!