i.v.a. do i have to?

glam_jan_56

iys me again i keep repeating same things round in my head.saw the mother today.cant let her know in her 70s never had a credit card..... doesnt need one.me an hubby had to keep smiling throughout, i thought my jaw would crack.you look a bit drawn darling she said. are you sleeping ok. ..oh yeah just great!!!! i find it hard to keep up chatter with folk at moment.my brain wont switch off... anyway got that off my chest now. so my question myself an hubby thinking of b.r.seperate cos debts seperate,however do you have to go down i.v.a. route?or can you just go b.r. do you have to be allowed to go b.r.

Lensman_2

Hi Glam Jan.

You need to talk to one of the debt charities about the IVA/BR thing.

Before you do that, you need to know about the Statement of Affairs (or SOA). If you can fill one out you will have a much easier time talking to people about your situation.

There is a form you can fill out online that you can save and then go back to. I have been back to mine lots of times. It's something I get better at with practice (and self honesty).
Click the link below:
http://www.makesenseofcards.co.uk/soacalc.html

Good to see you getting the hang of this posting lark. :T

I went to see my 93 year old Nan in hospital today. I know what you mean about a cracked jaw... Bankruptcy used to be on a par with prison (or worse). It's a good job it has changed a bit in the real world.. But then again, so has the sheer amount of people who have been encouraged to take on massive debt. Your Mum and my Nan don't see that and (although i'm generally an honest person) I think it is better it stays that way.

All the best.
Jim

robsimps53

go to www.cccs.co.uk and complete there debt remedy on line, they will give you a solution to your debt and it may say BR is the best for you. You could also speak to any of the available debt charities which will also advise you on your debt.

You do not have to do an IVA you can go straight for BR but one of the charities will have to reccomend this first

hope this helps