Questions about going Bankrupt - help!!

Little_Miss_Scrimper

Thanks people for all your sound advice. :T We have taken tomorrow off work so he can phone the CCCS (me there for support & soothing words!!) it happens to be his birthday but he said what better time to sort his financials out. Whatever happens we'll be having a few wine's to de-stress!!! He is pretty open minded about what is the best way forward and not sure if bankruptcy is. From what I've read on here the CCCS seem to be the best of a good bunch of people. Would they handle the IVA or bankruptcy? Or does he have to employ a solicitor for that. Sorry for all the questions but really appreciate your advice ahead of the chat with CCCS tomorrow.

He is not bothered about obtaining further credit or buying a place. He just wants a basic account for his wages to go into. I really feel for him, he has had a heck of a time of it not just with his finances but his personal/work life and if it was me I would have given up years ago.

Thanks for the note kevker about the tax code, didn't know about that. Thanks again everyone for replying, wish us luck for tomorrow! xxx