Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 8th February 2007 14:21 #1
    veejay veejay is offline
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    Default IVA Failed options?

    My IVA (which i wish i never did in the first place) has failed because i cant keep up the monthly payments. I dont really know what to do, will I have to go bankrupt? or is there another solution?

    Also what are the implications of bankruptcy, i dont own a house and i have no assets. I am working at the moment but only on a temporary contract, i am hoping to start my career this year.

    Advice appreciated

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  2. 8th February 2007 14:54 #2
    LondonPam LondonPam is offline
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    Default Re: IVA Failed options?

    Usually once an IVA has failed the OR will go for bankrupcy. There is rarely any other way to go. It seems you have no assets to speak of so there is nothing to offer your creditors. I have to say that as long as your career doesn't prevent bankrupcy, it would seem the only option. You can get some help on Debt Help UK : Free debt advice and solutions, with debt consolidation | UK debt consolidation service with free help and advice as there are a few insolvency practitioners that post on the forum there.

    Good luck.

    Pam.

    If anything I've said helps you then please feel free to tip my scales!
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  3. 13th February 2007 21:55 #3
    veejay veejay is offline
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    Default Re: IVA Failed options?

    Is it better for me to declare myself or make my creditors do it?

    I am having trouble seeking advice, the citizens advice isn't very useful as you can't make appointments, any where else I can turn to?

    thanks

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  4. 13th February 2007 22:17 #4
    NATTIE
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    Default Re: IVA Failed options?

    or The Insolvency Service Website

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE