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The first step! omg....

I have just received my letter from the IVA saying "Regrettably, the IVAs are no longer sustainable".

I have just rang my local county court to see if we need the Certificate of termination or the letter I received would be good enough..... he didn't know it was up to the judge! (so I think it best if we get a CoT)

He is also sending me out the forms to fill in for bankruptcy...... scary!!
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