Sorry about the several post but as an update, ive decided to go into an IVA with them. Papers went back and now im just going to have the agonising wait

I think it was by my bank on a loan...

I was told to get PPI but that was quite a while ago. Why??

Can you not give the name and address of your ex. If its her debt and she is on all of the documentation then they shouldnt be chasing you... surely..

Hmmmmmm. Looking around the site a lot of people have exactly the same questions.... what route!

In exactly the same boat...

Hello everybody, I am looking at my options as far as debt is involved. I have looked at all sorts of routes, bankruptcy, IVA, Debt management plans etc. I found this company in a publication that i get from work. Its the NHS's own one so im pretty sure all is ok with that so thats not too much of an issue for me Currently i have just over 100K of debt, mostly credit cards and all those sorts of things, however i dont know if i want to go for a bankruptcy and clear the lot, or stick with an IVA. I DO have a home and mortgage payments, that i have only defaulted on a couple of times. Speaking with them last night it was reassuring to a certain extent. They explained the process with creditors meetings etc etc. I am aware there are fees and there is always a chance that my creditors may not agree an IVA. blah blah..... (I read all this on the forums daily) I just wanted to know from people with experience what was the best option for them, around a similar debt level as me. I am not looking to rush into this without asking people, however im a bit embarrassed to ask friends, plus, you guys have been there and done it! Fine with the company i have chosen, now i just need a 'push' from your stories, bad or good. please!!