iva f+f advice

spongy41

hi am new to post but been lurking
right my dh has a chance of a job in a different country its all up in the air at the moment but would mean us emigrating and i dont want iva around as i want to see if can sort it out if we do leave the country
ive been told you can take it with you but would rather do a f+f as would have to keep account open over here transfer money etc and could cause problems as dont know as yet wages cost of living etc
its in a bit of a mess as we had a payment break for 6 mth due to car dying and having to buy a new 1 and also the iva company missed taking a payment out when dh wages moved dates so we have it for 67 mths but started in jan o8 had it change companies too
to details pay 36p in £ owe £29500( even though only £25000 has been claimed by creditors 2 others still havent claimed 2 and 1/2 yrs in ) have paid £5922 have 47 mths to go so far what would be a reasonable f+f , would have to approach family to help if they would havent told them as so ashamed of being in debt but if we could sort it out
please help its causing me sleepless nights worrying
thank you in advance

spongy41

would an offer of £5000 be too low as dh wants to up and leave everything and its causing problems in our marriage

spongy41

i know there have been a few post about f+f and i know mines not a definite case yet of moving needing it paid off but if anyone has any advice please reply as its worrying

Ava8

hi spongy41
I'm bumping you up, i'm in a mess myself but be patient there are loads of nice people on this forum and decent with it, i'm sure someone will be along soon with advice. Good luck.

thegrimreaper

i had a full and final of 5k accepted but i owed 20k and i had paid it for 2 years and i was paying 227 a month for the first year, 254 a month for the second year then i got made redundant so used my redundancy for it, so i hope this gives u some sort of idea !