Ok here goes ......

backhoe

I've been lurking on the forum for a few weeks now and think its fab, and have taken the plunge and joined.

I've started the first steps towards an IVA today. I have over 20K on 2 cards and a loan and having investigated all the options available, this is the best route.

Feel relieved that things are now in hand and that I may be able to start sleeping again. lol. Am dreading the next few months until all in place but actually think I've made the hardest decision so far by taking my head out of the sand and getting things sorted.

Thanks for taking the time to read.

trudij

Welcome - and hello !!

Any questions you have, please dont feel like you cant ask them - between us,we've gone through most things, and we also have two or three VERY helpful people who actually work in the industry too, so theres usually someone who can help...

well done for making the first move

x