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How can you get free help with a IVA seen loads of websites dont know who to trust don't have the money to pay for help if I did I wouldn't need help in the first place. Got into loads of debt with my ex let her use my name to get credit to keep her happy know have children with a new woman but loads of debt harassing me including a mortgage default a house I didn't want to lose but she made it a nightmare for me in court I wanted the house but she kept moving in and out constantly and kept taking mortgage money out of are joint account and wouldnt accept a pay out
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Stepchange, Payplan, CAB, National Debtline, are all good, free sources of information.
Stepchange probably your best bet.
Never pay for debt advice.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter2 -
An IVA is just one strategy out of many and often missold. Follow Sourcrates' advice.0
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I totally agree with Sourcrates (I usually do, for some strange reason . . . )
StepChange is SOOOOO good. They helped me so much, I can't praise them highly enough. All free, and never ever judgemental. Just when I was really at my lowest, they offered a workable solution for me.
Their link is here : https://www.stepchange.org/
Good luck! But you won't need luck with StepChange.Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.0
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