www.iva.co.uk

I have a good job and a good wage and my hubby owns his own business which isnt doing great? we have a mortage and we split all the bills 50/50 i cant afford to pay his half and he isnt getting enough to pay himself so the creditors are knocking at the door and im not sure what we should do for the best..

Hi welcome to the forum. I am not an expert
can you Please post more details then an expert will be able to help

Empty pockets never held anyone back. Only empty heads and empty hearts can do that.

Hello Cee

Just wanted to say welcome to the forum ... someone should be along shortly to offer some more expert advice than I am able to (I'm just a person with debts!) ... but keep in touch with the forum and let us know how you are getting on ... you have come to the right place to be amongst people who understand you and who will offer support [:)]

Debbie

www.familyceremonies.co.uk

www.soulgrowth.co.uk

Hi cee,
Welcome to the forum. I too am no expert, just someone who is sorting out their debt. As gavin says list a few more details and the experts will be able to give you some very sound advice. Don't be worried everyone on here is on your side and will give you fantastic, help, advice and best of all support through the dark times. This forum has put me back on my feet and looking towards the future in a very positive way. I too am self employed, with a business that sometimes doesn't even break even, so I know what it's like and what you are going through. Everyone on here is, or has been in serious debt and sometimes it feels like there is just no way out, there is, keep posting and help will be at hand very soon.
Best wishes
Mike

Hi cee
Can you list your total debts,mark them joint or sole and your house value and outstanding secured loans.
Also your joint disposible income after all secured loans are paid and normal living costs[not including unsecured debt payments]and we will try to help
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp