www.iva.co.uk

Posted: **Mon Mar 17, 2008 7:37 am**

Hi guys
last night rob told his father that he was going to go bankrupt as that is what he has been advised to do. His father was shocked but in the end supportive and last night i was able to sleep better than I have in a long time. Today I am phoning the company who are helping to fill in the forms so then the ball will be rolling. I am not going bankrupt myself but do have a little debt but can afford to pay mine back, it has been suggested that i do it as well but we both feel that we want to at least pay some of the debt back.
I have explained to my older children (14 and 10) that things are tight and they have been very good to, thankfully they enjoy the simple things in life such as camping holidays, games and family stuff.
Thanks again to all your advise and I will keep you posted as to what happens. The bit I am dreading is the phone calls but i guess thats just par for the course.
jayne x

Posted: **Mon Mar 17, 2008 7:39 am**

Good luck Jayrob.. things can only go up from here..

we're getting phonecalls, but fingers crossed haven't been aggressive or rude, we're trying for an IVA

Posted: **Mon Mar 17, 2008 7:42 am**

good luck from me too Jayob, first hurdle down you'll soon be in view of the finishing line. I can imagine it's a relief to tell someone, but I've chosen not too although somedays making up excuses as to why I can't afford to do this and that is not easy. However, my boiler is a perfect excuse for now!

Posted: **Mon Mar 17, 2008 9:00 am**

Jayrob

Well Done x

Posted: **Mon Mar 17, 2008 9:02 am**

Good luck, the hardest bit is over now. If the phone calls get out of hand, then don't take them x

Posted: **Mon Mar 17, 2008 9:22 am**

Jayrob, well done. I'm pleased things went well telling Rob's dad, I know you were dreading it. The only way to go now is forward onto better, debt free times,
xx

Posted: **Mon Mar 17, 2008 9:59 am**

thanks guys for your support. Have just spoken to joanne who is helping us, she is sending forms today. I know u can do it online but just want to make sure we do it right.
thanks again guys

Posted: **Mon Mar 17, 2008 10:03 am**

Well done for being brave enough to take the first steps towards a debt free future.

All the best with everything.

Posted: **Mon Mar 17, 2008 4:02 pm**

Hi Jayne and Rob

Well done for taking the first steps, telling Robs father cannot have been easy but it must have helped you both to be able to talk about it with someone.

Good luck and I hope things go smoothly for you
Emma

Posted: **Mon Mar 17, 2008 4:09 pm**

Hi
Good luck and best wishes to you both.
Regards

www.iva.co.uk

firsy bit done