First step taken....

cloverfan

Today I had my CAB appointment and the lady was very nice and she filled out all my BR forms with me,not as scary as i had imagined although I did shed a few tears at certain times.

Nervous at what comes next but looking forward to it too if that makes any sense?

money_penny_26

hi cloverfan,you have done the right thing you have started the procedure an you will feel better.as it goes on an you feel stronger,you can cope easier then.good luck to you an your children. penny

neverindebtagain

Well done, I remember going to CAB and talking to the debt help groups, it felt good just to open up to somebody, what I find now I have gone br is that you will be surprised how many people you know of that are either on IVA's or have been br or are br. Just remember you are not the only one. It is a bit overwhelming at first and on my court date I cried like I have never cried before, it felt like grief. But I remember going into HMV with my mother-in-law after my court date and there was christmas music playing and I was singing. I looked probably insane, mascara down my face and singing but I instantly felt a wait lifted from me.
You will have loads of questions on your journey, so just ask these wonderful people.Good luck and keep posting.