Although you will have to change your Lifestyle during an IVA. Don’t think that just because you are in the midst of an IVA doesn’t mean you have to miss out on a yearly holiday.

One Saturday afternoon, my partner and I were sitting at home, reading through the local paper. Advertised was a litter of 8 week old kittens, for twenty pounds each. I begged and pleaded with my partner to buy me one of the kittens. He informed me to take into consideration, the costs of owning a pet. I thought to myself, what is twenty pounds and £2.50 a week on food. Never did I think it would be the icing on the cake for my debt

If you have an IVA and your financial situation changes, the first thing you should do is notify your Insolvency Practitioner (IP). It’s really important that you keep talking to your IP – even if you feel embarrassed or shy or a bit intimidated by them. Remember, THEY are working for YOU! To help make Creditor Phone Calls Stop!