to those starting on the iva journey

[sadone]

Excellent, Excellent post.

Sadone, firstly welcome to the forum, being terrified the IVA will fail is the most natural feeling in the world, EVERYONE who posts here will tell you that, I felt the same way, worried about what you're going to do if it does fail, how you're going to manage. Well I'm happy to say we had our IVA accepted today, there is a light at the end of the tunnel. You've taken the hardest and most important step, admitting to yourself you've got a debt problem and seeking help to try and resolve it. You will have worries along the way but one thing is for certain you have any questions or worries, post them on here, there's always an understanding ear and someone to give sound advice. We've all been where you are now and know what your going through but your far from on your own.
Good luck and try not to worry too much I'm sure it'll turn out for the best.

Jon

Thanks Jon for your support its much appreciated and great news that your IVA was accepted. How long has the process taken from your initial IP meeting to today?

[plasticdaft]

Sadone remember that creditors would rather get something back even if it is a vastly reduced sum compared to whats owed so dont panic.

Great inspiring post Molly. It really does help everyone to hear of others getting near the end of things. At first I thought it would annoy me that people were nearer normality than me but over time I realsie that we are all at different stages of the same journey and I do smile when I hear positive things about those of us unfortunate enough to have required the help of insolvency companies!!
I really think that IVA's,BR's etc all make us stronger people.

Paul

[justsurviving]

Sadone it's taken longer than normal to be honest but that's nothing to do with Mel and her team, they've been excellent throughout. We filled in the initial enquiry form in on Melanies website on 24th Feb but it took us a while to sort out copy payslips and my wife had to cash in her share save scheme at work which took a couple of weeks to sort out, so like I said longer than 'normal' but we got the result we wanted in the end.

[daisypoppy7999]

I am into the third month of my IVA and yes it was nerve wracking whilst waiting for the results of the creditors meeting. Thanks to Debt Free Direct all was handle without hiccup and I was accepted, phew! To me there is already a light at the end of the tunnel..5 years will go so quickly, especially as the Debt Management scheme I was already on had no real end in sight and the uncertainty of any one of the creditors pulling out. Good luck Sadone..you are doing the right thing.

[debt attack]

Absolutely love this post - what an inspriation...and I agree, it makes you a whole lot happier xxx