Hello, I don't know where to start, I'm currently seeking an IVA and a draft proposal has been prepared, I'm struggling emotionally to get my head round it and keep getting conflicting advice, how do I get through this?!
Which company have you spoken to and why do you have a problem? We are here to help.
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
Which company have you spoken to and why do you have a problem? We are here to help.
Thanks for your help. I have gone with a local company, who seem fine. I just keep getting different information, which is confusing. Having never had to go down this route before I have to say it is terrifying ... it is the fear of the unknown etc and the what if's that is the worst thing at the moment
Which company have you spoken to and why do you have a problem? We are here to help.
Thanks for your help. I have gone with a local company, who seem fine. I just keep getting different information, which is confusing. Having never had to go down this route before I have to say it is terrifying ... it is the fear of the unknown etc and the what if's that is the worst thing at the moment
I would suggest having a chat with a couple of firms, especially see if they have experience with HMRC as a creditor ( they sometimes need careful handling). At firsy, you don't even know which questions to ask, but, as you speak to a few, it is surprising how much you pick up. Also read around the forum and see what things have been bothering the rest of us -- which can give you some clues as to the pitfalls.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I agree with Foggy - speak to as many as you need to. At the risk of being nosy - how much is your debt to HMRC and how much do you owe elsewhere?
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
