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Debt advice needed - 60K
Tomanydebts25
Posts: 10 Forumite
Hi
I'm in need of some advice please. I currently owe around 60k worth of unsecured debts. Both loans and credit cards. All racked up through gambling, which I am now seeking help for.
Amazingly I have kept up to date with all payments until now. I can no longer keep up with working 12 hour shifts 6 days a week.
I have looked into several debt solutions and also contacted step change. A DMP would take too long to clear around 10 years. An IVA was reccomended to me (joint home owner) just under 2 years now. However I have read nothing but bad reviews on IVAs. Does anyone have any positive first hand experience?
Or what would my other options be?
Many thanks
I'm in need of some advice please. I currently owe around 60k worth of unsecured debts. Both loans and credit cards. All racked up through gambling, which I am now seeking help for.
Amazingly I have kept up to date with all payments until now. I can no longer keep up with working 12 hour shifts 6 days a week.
I have looked into several debt solutions and also contacted step change. A DMP would take too long to clear around 10 years. An IVA was reccomended to me (joint home owner) just under 2 years now. However I have read nothing but bad reviews on IVAs. Does anyone have any positive first hand experience?
Or what would my other options be?
Many thanks
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