Iva or bankruptcy please help

monetxchange

Yep, you'll need to put ALL family incomings and outgoings on the SOA.

I'd also get back on to Stepchange or the CAB now it's been confirmed that you're not actually in an IVA.

sharpe106

Shaunw1987 said:

The soa asks my partners income but not her expenditure do I add that to the form I'm confused? 

Are you sharing bills etc? or do you have separate money. If you share the money and the bills need to put both your and hers on. Basically the better information given the better advice you can get. 

IrishSean

Yeah, hopefully you can pay it down with some budget adjustments; revise SOA with everything included as MX said

If you can keep yourself out of the jaws of that IVA peddler that's a good thing. 

The charities should be able to help, but so will the forum.

GL👍😀

Shaunw1987

OK some good news spoken to stepchange and gone through a detailed income and expenditure everything has been taken into account and halved I have 9 pounds left over after everything has been payed I've been advised that I've got a good chance of being accepted for a dro fingers crossed. 

sharpe106

That is good, if you do the more detailed one on here to people can offer you more advice as well 

Shaunw1987

I'm about number out been trying to sort this for the past 6 hours my heads about to explode lol

sharpe106

No need to do it now, just at some point. 

Shaunw1987

sharpe106 said:

Shaunw1987 said:

The soa asks my partners income but not her expenditure do I add that to the form I'm confused? 

Are you sharing bills etc? or do you have separate money. If you share the money and the bills need to put both your and hers on. Basically the better information given the better advice you can get. 

We keep our money separate and pay our bills separately too the only thing we'll pay for jointly is for food. 

RAS

Shaun, this looks so much better. Give yourself a break and then come back. 
Glad MSE could help.

Shaunw1987

I'll keep you all updated as I go a long.