I agree with Jan, I did all the money business and hubby was absolutly so ashamed, went mad when I told the kids, but the payment was much less than the credit cards and loans, and to be honest we have not suffered at all until last 9 months when hubby had no proper job. We were much much better off because in reality we did not have the money before it was all borrowed, but in the iva we had to use our own money so you do tend to think before putting till in gear. Please look at it tonight and do something it is wonderful feeling when it is accepted, and even during it. There is loads of support on here for all the hiccups. x Good luck Pam
ITS OVER WE ARE FINALLY DEBT FREE, CERTIFICATE ARRIVED
Good advice there Vinnie. It is always best to be upfront with your partner - mine was really ill when I told him - given his normal health problems it was not a good time for us!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Welcome from me as well, absolutley nothing to add that the others have not mentioned except that this forum has ben a lifeline to me as I'm sure it can be for you too. Seek advice on every aspect of the problem, don't hide anything and trust in that there is a solution out there for you. Whilst the journey may be tough going, by having it all out in the open, and payments considerably less that the minimumn credit card payments even if it is for five or six years it will be a relief for you. As already mentioned there are many stories to tell but trust me by admitting the problem you ahve already overcome the biggest hurdle. I embarked on my journey a few weeks ago, seems to have taken an age but I have my creditors meeting on the 22nd and I truly hope that will mark the start of my own journey towards a debt free life. take great care and remember this forum exists not only to answer questions but to provide moral support when you need it. Looking foirward to hearing your plans for the future
Rod
Most day's you feel like the statue but just once in a while you get to be the pigeon!
hi, take heart from the posts. i found out last October we had huge debts,my hubby had extra cards,had even taken a loan out i didn't know about. he used to pay for food etc on a card- telling me he paid it off when he got paid but he was getting in deeper&deeper.
it was a terrible shock. we spoke about parting more than once,my parents said i could go to them. but,we got through it so don't loose hope.
our IP was Mel who replied to you,our first call was with Tina (Mel's team),we found her very easy to talk too. whoever you choose you'll feel better once you've got more information.
good luck x
Nothing stays the same...everything changes..hang on in there!
I think it would be good if you have the time to read the blogs of the people that post on here. You are not alone! I remember feeling more upset at hubby hiding the gambling and debts thinking he couldn't tell me than I was upset about the actual debt. For us it has definatley brought us closer. Good luck!
i understand how you feel relieved, i thought everything was alright,i pay paying things like my catalogue - what i didn't know was he'd got a big overdraft on our bank account,so in effect nothing was up to date!
my hubby has promised he won't have cards again. it's meant huge changes,we are so much closer now,well done x
Nothing stays the same...everything changes..hang on in there!
