my iva and problems

unsure26

ok.. i got into some debt problems when i left my husband. nearly 40k.. i got a iva out and was paying back ok for a year.. 18months ago i moved house again. and cancelled the direct debit.. as yet they have not contacted me.. my parents think i am ok with money and am paying this back. they have no idea what a mess i am in.. i am so scared that someone will come knocking one day. (i live with parents now) do i just bite the bullet and call them ??
also i got a letter today from a company called max recovarys.. they want £1700 from me by end the month.. i have no idea what this is for? does anyone know who these people r ?

so basically.. i just want some advice please. i know i have been stupid..

Charco_2

Max Recovery are a Debt colection agency who will be working on behalf of one of the debts you left behind in your IVA... your IVA wasn't successfully completed so the debts are up and running again! Max Recovery buy the debts i think so there should be huge scope for negotiating a smaller repayment... i wouldn't contact them however!

Post on the debt free wannabee forum above and see what they say up there, there is plenty you can and should do first - I dont know why you cancelled your IVA, but you should really look into some form of solution that is going to deal with ALL your debts. Dealing with each recovery firm and lender separately is just going to send your head spinning!