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CCJ Claim Form Query
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There are certain circumstances where an IVA would be suitable, and your case seems to fit that scenario.TheSilverChair99 said:Thanks fatbelly. I will offer that and see what happens.
I think you're right, for us an IVA is probably the best way to go. I am just very scared to go that route but it is probably the best way to protect our home and repay the debt over a shorter time period. The DMP is about 25 years! (Not started yet) Are there any reputable IP's out there you would recommend? Or will I just go through stepchange like I was with the DMP.
The IP used by Stepchange charges the least in fee`s, and is one of the more reputable IP`s out there.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-letter0
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