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Bankruptcy or Debt management?????
Comments
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Work is very scarce right now though,no one is taking people on,quite the opposite really in Gwent,although im hopefull something will turn up soon,fingers crossed
Thing is with an IVA aint you gotta repay large amounts per month etc,im with Allclear Finance at the moment0 -
Work is very scarce right now though,no one is taking people on,quite the opposite really in Gwent,although im hopefull something will turn up soon,fingers crossed
Thing is with an IVA aint you gotta repay large amounts per month etc,im with Allclear Finance at the moment
If you have no income an IVA would not be applicable as there needs to be some surplus to pay your creditors. IVA’s are only the best option for a very small percentage of people.I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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Hi
If you have no income or property to protect then an IVA would not be suitable for you. It maybe that BR is the best route for you given your circumstances but do speak to the debt charities.
CCCS, CAB and National Debtline are all good to talk to and offer advice in your interests only.Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free
Mortgage free since 20140 -
Would i need to go to court to get this form Sarah?
And if so whats the procedure please?0 -
Work is very scarce right now though,no one is taking people on,quite the opposite really in Gwent,although im hopefull something will turn up soon,fingers crossed
Thing is with an IVA aint you gotta repay large amounts per month etc,im with Allclear Finance at the moment
But if you miss an IVA payment, it could result in bankruptcy anyway and you would have paid lots into it and lost the money in effect. It really is not suitable for you.
Ditch Allclear Finance who are charging you when all your money could go to paying your debts. IVA's make a lot of money for these sharks.
CCCS provide the same service for free.Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free
Mortgage free since 20140 -
Cheers for your help,its kinda nice to know there are people about that aint into kicking you in the teeth all the time,much appreciated!0
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Would i need to go to court to get this form Sarah?
And if so whats the procedure please?
You can get a copy from either the court or on this website, you can download them. Once the forms are completed you will need to take them back to the court.
Try and continue with the CCJ’s until you have sorted the N245 and EX160A. Your other creditors make them all a token payment for the moment as a goodwill gesture.I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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Cheers for your help,its kinda nice to know there are people about that aint into kicking you in the teeth all the time,much appreciated!
its what we are here for
. Try not to worry, looks like a temporary blip for the moment.
Once you have had your appointment i'm sure things will seem much clearer.I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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CCCS_Sarah wrote: »its what we are here for . Try not to worry, looks like a temporary blip for the moment.
Once you have had your appointment i'm sure things will seem much clearer.
Yep, that's what we are all here for. To help and support others. Most of us have been where you are now at some point (I've got the T Shirt, read the book...!).
With the help and support of this forum, you can sort something out. It's all a bit scary to start with - it was for me when I realised my problem in December last year but slowly I'm picking myself up. It takes time, but bear with it. I found the support from the people on here helped me enormously and I don't know where I'd be without them.
Please keep posting. We are all here to help.Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free
Mortgage free since 20140 -
Wow,you guys really are a tonic aye! I think i will start bottling it actually lol0
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