D4109125 wrote:Just make sure you are paying something off the debts each month, even token payments as to show you are not intentionally avoiding your debts. Moreover, try and avoid CCJs.
If you are struggling to pay your debts you should seek free, impartial and confidential advice from the National Debtline or Step Change or your local Citizens Advice Bureau.
Thanks for the quick reply
My solicitor says going for token payments at this late stage of debts is no good as companies will ask for unrealistic amounts of payments , as they have done before, as per his advise I am trying to go for something binding as an IVA , the thing is he says if the IVA get rejected this time as well the creditors might bankrupt me . my spouse and me do not have any financial connections at all.
do they conduct a credit search on the applicant ? if they do they will in all probability find out that i had never ever missed a payment until my illness and continued to do so afterwards as long as i could . sorry for the rant , but all the solicitor says is it should not be a problem as my spouse is sponsoring me and satisfy all the requirements and more ,but he is a solicitor and he said the same thing about the 1st IVA going through.I do have a hard time believing his intentions.
is this true are they more interested in the main applicant ?
i am ready for a through scolding
P.S : I have been to the CAB who agreed the best option under the circumstances would be to try an IVA as bankruptcy is out of the question ,
national debt line advised bankruptcy but said they couldn't advise any further as i did not have ILR or wasn't British did not know this was a requirement
