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IVA

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By *iss Devil OP   Woman
37 weeks ago

Bedford

I have just completed my final IVA (Individual Voluntary Agreement) payment. My next pay check is finally going to be all mine . To anyone struggling with debt, I'd advise you to contact debt charities as it is not worth losing your sleep (or worse) over debt. They were very supportive and did not take every last penny of me, we set up a doable budget that was reviewed whenever there were any changes in either expenses or salary.

Thank you, Horny PT, for that chat years ago that helped me make the first step to debt-free life.

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By *heGateKeeperMan
37 weeks ago

Stratford

Well done OP. Great work for staying consistent and making the right choices over and over again x

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By *cottish guy 555Man
37 weeks ago

London

Congratulations. It's a massive undertaking and you've done well to get out from under it.

Enjoy the feeling of success.

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By *hrimper36Couple
37 weeks ago

Central France dept 36

Free

Free at last free at last!!

Well done.

We can all make mistakes but we can also live with and make good on those mistakes.

And well done horny for your advice.

T

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By *ong-leggedblondWoman
37 weeks ago

Next Door

Good news OP.

And good advise

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By *Wman15Man
37 weeks ago

Altrincham

Well done to the OP for facing into this and for getting through it - debt can be hugely stressful

For anyone else considering an IVA please take independent advice. They are not suitable for everyone / all circumstances despite the vast number of firms out there who claim they are an easy fix to debt problems. Many of these firms don't offer good advice and many are simply there to earn as much commission as they can from those least able to afford it. There are debt charities / Citizens Advice who offer free and impartial advice

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By *iss Devil OP   Woman
37 weeks ago

Bedford


"Well done to the OP for facing into this and for getting through it - debt can be hugely stressful

For anyone else considering an IVA please take independent advice. They are not suitable for everyone / all circumstances despite the vast number of firms out there who claim they are an easy fix to debt problems. Many of these firms don't offer good advice and many are simply there to earn as much commission as they can from those least able to afford it. There are debt charities / Citizens Advice who offer free and impartial advice"

Yes, I concur this. It is quite a minefield, choosing the right company. I went with the one recommended by my union, but research needs to be done before committing. It can be a very long 5 years...

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By *r_GreyscaleMan
37 weeks ago

North Hertfordshire

Congratulations, must be a great feeling to have taken back control and come out the other side x

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