To all BR's.....

spenderblender

I would never had entered in Br if I could have dealt with it in another way which I/we tried to do when we entered into an IVA. This was a totally unsuitable way to be rid of our debts as we had no assets to protect only our children from the dreaded "talk" but now we have come to the fork in the road and the decision had to be made to go bankrupt. No I don't regret making this decision as it has took us a year in the IVA to realise that Bankruptcy was and should have been our only route a long time ago.
Good luck with your decisions and do ask for help from the people on here and the agencies that you can seek help from.