Posted: Sat Mar 22, 2008 8:03 pm
i am in an iva and have been for 2 years, with blair endersby, i had personal debt on cards totalling £100k and although i wanted to repay as much as possible, but feel that i was not advised well enough that i should have gone for bankruptcy.
would this have been better ?
also where i moved jobs recently i have got a pay rise, but my petrol costs have risen to £250 per month and the original IVA was £100, and also the other costs of everything going up i am actually no better off but have a better working life.
is it in my bests interests for me to declare bankruptcy to get out of my IVA and would i still be able to keep my car as with the amount i have to travel otherwise i would lose my job as the car is on a hp purchase through my sister as guarentor and the payment for the car is within my IVA would this continue with bankruptcy.
i feel very sorry for anyone who is going through what i am it is unbelievably stressful and a nightmare waiting for answers.
any help would be appreciated
would this have been better ?
also where i moved jobs recently i have got a pay rise, but my petrol costs have risen to £250 per month and the original IVA was £100, and also the other costs of everything going up i am actually no better off but have a better working life.
is it in my bests interests for me to declare bankruptcy to get out of my IVA and would i still be able to keep my car as with the amount i have to travel otherwise i would lose my job as the car is on a hp purchase through my sister as guarentor and the payment for the car is within my IVA would this continue with bankruptcy.
i feel very sorry for anyone who is going through what i am it is unbelievably stressful and a nightmare waiting for answers.
any help would be appreciated