Should I consider an IVA?

[MelanieGiles]

I am sure that your partner will be very supportive to you Susie, and that you will both work through these difficulties positively together.

Let tomorrow be the start of a new phase of your lives where you work together to get this debt cleared. The sooner you start the sooner it ends, and I think you will feel far better once you have had a chat with an insolvency practitioner.

[Broke of London]

I feel really excited for you...I can still remember how much better I felt after speaking to a professional. Good luck and let us know how it goes x

[corfu]

hi susie
i was where you are 3 months ago, that first phone call was hard but god do you feel beter after it

yes the phone calls are a pain but for me i got less once i told them i was going down the iva route

i found mel and her team from on here and have nothing but praise for them esp tina for that first phone call

and you have all the people on here to help you

will look out for your post to see how you got on today

corfu

[PaulyB]

We've all been there Suzie - I was dithering about for around 2 years trying to balance all the credit, etc and hoping that it would all go away magically. Then eventually I spoke to Mel and things started to fall into place. That was 3 years ago now (Mel will remeber Nothern Rock I'm sure!!!!). I won't say that it's easy on the road to freedom, there are some months when the last couple of weeks is all about scraping around for coins for food. But it's a great feeling to look at a bank statement and even if it's only a few pence in it - it's not RED!!!
Stay strong and remember that most of us on here have either 'been there and got the T-shirt (obviously not on credit though!!!!)' or have helped us through the hard times.

[susieq73]

I have started another topic to follow on from this one I did do it today!
x