www.iva.co.uk

Not even got going with the propsal yet but god this sressful, can't eat, sleep concentrate on anything at work I just sit and work figures out - how the hell do you cope for the next 6-8 weeks while it being processed[V]

You choose an IP who maintains regular contact with you, and who can help to take the ongoing pressure away from you.

The important thing is to be absolutely sure that you can afford to make the repayments being suggested to you. They should feel comfortably affordable - and if in doubt, you probably cannot afford them.

Also make sure that you carefully read through the IVA proposal, and attached terms and conditions, to be absolutely sure you know what you are letting yourselves in for over the next five years. If in doubt, query it with your IP.

Gook luck!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Thanks for this - I have run through the budget and its OK we can afford what the required payment is and we will be able to give more in year 2 and beyond but my concern is what if they will not accept it ? - BR not an option would be devastating for my job[:(]

Have faith in your IP - people like me do not make a habit of working on proposals that we don't think will be accepted. If they are prepared to put it forward for you, then they must think it will work. Which IP firm are you using?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Brave heart GGR as Melanie says trust in your IP to get your proposal through.

All the best with everything.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Hi GGR
All the very best. Its the worst time waiting but it has to be done. As all have said if the offer is good there is no reason for them to turn it down. Chin up, shoulders back and keep ggoing these few weeks will pass and then hopefully stress relieved.
If not there will still be a way forward it may just take longer to pay off, but you will get ther because you want to.

Ang

Hi GGR,

I know that this is a hard time for you as it feels like your life is in the hands of your creditors. However remain strong, and try not to dwell on things that are out of your control.

Just out of interest, who are you creditors?

Best Regards. IVA Experts

Hi ggr i know exactly how you feel that was how i felt 2 months ago,we are all behind you and thinking off you,it is so hard and like me ul prob imagine everything that can go wrong and more will happen to and really if your ip didnt think it had a good chance of going through they wouldnt waste their time and money.I just wish id discovered this site sooner, i only found it the day after my Iva wasapproved, if a coward like me can get through it anyone can.

I think it will be Wilson Phillips? they seem to have a good reputation?[?]

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk
[/quote]

ggr when did you become Melanie Giles?

I was just thinking that, when did you become Melanie giles?? What is going on here??

LILY

fly me up to where you are beyong the distant star, I will wish upon tonight, to see you smile, only for a while, to know youre there, a breath away is not too far, to where you are.