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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 juliedf[/i] [br]Im now at the end of my tether. I lost a well paid job in 2007 and now work every hour possible with 3 jobs and still dont earn the same. Ive been on cccs debt management since may 07 as I did take advice and tackle the issue as it occurred. For the last 4 months ive had constant harrasment from Nationwides debt collectors and solictors, they filed a CCJ on me now for full payment. I asked for more time to pay. In the meantime it was suggested I try an IVA as currently on cccs it will take about 20 years to pay so I applied for this, also being advised that this will cut out all the harrasment from creditors im now getting. To be honest the thought of 11 crediters hounding me for 20 years had driven me to the edge and am now on diazipam! Last monday was the hearing but it is now adjourned as LLoyds tsb and nationwide said no but the other 9 companies said yes but they didnt amount to 75% of the debt. Ive never missed any payments on the cccs plan and up till losing my main well paid job with lots of perks and bonusses I was up to date with everything and could afford the payments. Today I have received the outcome of the CCJ being nationwide want £340 a month from me, which is over £100 a month more than the original loan-plus I now have court costs as well. I cannot pay this on top of the CCCS payments, I just cant do it and have no further working hours left in my week, I work on average 16 hours a day 7 days a week now! I own a home with my husband but this is in negative equity by around £60,000 now mortgage is all up to date no payments missed. If I go bankrupt personally I will lose 2 of my 3 jobs and also my husband would lose his job too as clauses in contracts regarding bancrupts. I just cant see a way forward with this or what I can do. I am at the end of the line here I feel and just dont know which way to turn. Short of the IVA option being turned around when re heard next week I can only see personal bankruptsy as my option but to sell the house, with negative equity would just plunge me deeper and deeper into debt and no one will lend me the money to pay all that back on top of existing debt. I have read somewhere you can sell your interest in the house to a 3rd party of your choice if in negative equity which not sure if true or how you go about it. Personally I dont have an issue anymore with the stigma or being bankrupt but it too seems it may just get me into a worse situation. Any advise would really be appreciated. My husband is now saying he thinks splitting up would be the best option here as he will keep his job- not really the support I wanted but hey ho! Any suggestions greatfully recieved. Julie [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.