ridden

moomoo4444

hello all,
well this is the first steps i taken (i think i found the courage whilst hoovering !!!!:rotfl:
i am serious debts with credit cards ,dont even know how it started ! also in a job that does not do bankrupcy :eek:
i owe about £40,000 and am managing to keep up ,just the monthly repayments ,not much left over from the end of month pay packet
i am constantly stressed worried etc i am sure some people will have felt the same
i am considering going for an iva ,i live in rented accomodation and am just going through a divorce (sep 3 years already ) does the iva have to contact my ex ??
can anyone please help me

money_maker_3

Sorry don't know much about IVAs but if you post your SOA on here some bright sparks can help you reduce your monthly outgoings

leoetal19

welcome and well done for picking up the courage.....
my advice would be to contact cccs-their services are free, they can talk you through your options-perhaps a dmp would be better than an iva-look at their on line advice and tools and you could make an appointment tommorrow to talk to someone... and the soa will help others advise on the nips and tucks too
good luk n huge hugs---youve dont the first bit and thats always the worst x

beanielou

hi & welcome
POp up your SOA when you get a mo & we'll see if we can help

moomoo4444

thank you ,will do that over easter as at work till then

fermi

Details of what people need to see on an SOA is here: Help for First Time Posters

MSE has a guide on IVAs here: IVA Guide

And if you have got to the stage where you are considering an IVA, then it's best to get some free/impartial and professional advice from one of these: Non-profit Debt Counsellors' List