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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by mst[/i] [br]Hello everyone, Following on from my chat with England, Jackman and Spacey yesterday evening I am pleased to report some good news on my independently arranged DMP with my 6 creditors. Today I contacted Northern Rock (my largest creditor) to follow up and explain that I cannot afford to make my current payments as they exist. They were sympathetic to my situation and decided to waiver any charges/interest pending a review in 6 months time. They are going to confirm this in writing but as my largest creditor it should allow me some weight when negotiating with the others. I have decided to put off bankruptcy for another year and accept my companies offer of a secondment to Manila for 12 months. To miss out on this opportunity in favour of organising BR would be foolish as my long term future job prospects will be greatly enhanced when my CV displays this info. Also I could argue that refusing the offer would shorten my employment in my job and they aint going to get any money back when I am unemployed. I was wondering what some of the expert forum posters would suggest is a good course of action during my year away? I have already decided to put the rent in my name and re-write to my creditors lowering the payment they receive as I am now going to make both the rent and bill payments and pay them what I can. If they wish to come chasing me to Manila they are welcome. Any advice on the next course of action would be greatly appreciated as long as it does not involve me changing my mind on Manila/Phillippines for a year. Mst [/quote]   Check here to include your profile signature.