.....it is now!!
5 years and 60 payments later, about £60K paid back on an original debt of £115K, and I am debt free at last!! And what an incredible feeling it is. 5 years ago I was in the depth's of absolute despair, couldn't see a away out of the position I had got myself into, was vey depressed and my whole waking hours were spent thinking about that huge debt monkey on my back! Today I am free, and my life is just a million times better in so many ways. I would like to thank the many people on this website and on this forum for the sound advice and support that I have been given along the way. And I will stick around to lend my support to those on the IVA path, or those thinking about getting on it. If you are where I was 5 years ago, I hope this inspires you that it can be done - If I can do it, so can you. Joe.
If nothing changes, nothing changes!
