Hi melanie I've come to the same conclusion that bankruptcy really is the best option at the present time. Just a shame that i've found out that i have to wait three months for my IVA to fail before I can go ahead. At least there's a little bit of light at the end of the tunnel Thanks for the advice...

Hi I've already looked at your sister site (BR) and logged on there. My IP did explain DMP to me in the first instance but he didn't think that it would be right for me as it would take so long and no guarantee that interest could be frozen etc. So looked at both IVA and BR. I wasn't keen at all for...

She only started in May!! She has spoke to her IP and he just started going on about a debt management programme.

Im not sure how much or how well she was advised and im not too impressed with her IP. She is maybe partly to blame, she knows its a tight deadline but surely she should be left with zero at the end of the month and not more debt. Her housekeeping is £320 and there is nothing in there for clothing. ...

Thanks for the welcome and super fast reply! I think it was set too high to be honest, she doesnt go out and spend much. She gets little to no help from her ex husband who left her in this mess. The person dealing with her IVA is pushing for a Debt Management Program because he doesnt want her to go...

Hi My girlfriend has just started her IVA. Basically her out goings are £110 more than her incomings and it doesnt look like her IVA rep who arranged it has given her adequate allowances for clothing etc for her two children. Is there anything she can do about this? She is thinking seriously about b...