help! i separated from my husband in jan and have been ignoring all my bills stupid i know! i am now finally trying to get back on track i receive income support and is no where near enough to pay anythink back as i have bank loan catalouges and credit cards all adds up to about 10,000 and dont know what to do is an iva a good idea? as wont get a loan due to bad credit all of this debt is in my name so cant even pass any on to ex most of these have now been passed on to debt agents but want full or half payment and is impossible to give them that what to do!!?

Have you spoken to anyone from your local CItizen's Advice Bureau?

you can also contact CCCS or National Debtline, they are all best placed to provide free impartial help !!

i have now been in touch with debt advisory line and have sorted out an arrangement with them has any one used them before.

The best place to get free advice from someone who is fully qualified and regulated to give it is from a licenced insolvency practitoner - look in your yellow pages. CCCS/Payplan are no more impartial then anyone else - they get paid by most banks etcthey just don't tell you!

if you are doing a debt management plan you may be better off with Payplan or CCCS as they won't charge you - they do get paid by most banks etc based on a percentage of what they recover so make sure they don't bulldoze you in to offering more than you can afford.

you may be better off considering bankruptcy - for more infomation look on the Insolvency Service website - it's not as scary as it used to be (assuming you don't own any property)