DMP to Token Payments to IVA

foolishqueen

Hi folks,

As the title suggest I'm currently on a self-administered DMP which is going ok, things have quietened down. But with a few unexpected things to pay for over the last couple of months, is looking like I won;t be able to afford my payments for a few months

Has anyone gone from being on a DMP to only offering token payments? I expect a whole host of flack to come my way:mad:

Once my gf is back at work, I may then take the opportunity to get an IVA (bankruptcy not possible) and just and try get this whole mess sorted once and for all.

I'm tired of thinking about money all the time and the lack of it, I'm drained and tired. To be honest, my creditors can do what they like, there is little they can do that I don't already know about. They can shout and scream, but I can only give what I have. Feeding my 2 children must come above all else

Thanks for listening.

Happytogetdebtfree

Hi foolish queen, maybe post an soa, can the things that cropped up be postponed? All the best with getting on top of things and don't let the creditors get you down :-) they will be gone soon :-) x

foolishqueen

Will try and get an updated SOA together. Can't postpone the spending - already had to spend it

How quickly can I expect things to turn really sour again?