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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 sunshine[/i] [br]Hi everyone, I just wanted to give you a quick update on our situation. My hubby and I filed for BR on the 30th April this year. It was a terribly stressful and upsetting time, as I'm sure you are all aware. Three months on, I can sincerely say it was the best thing we have ever done. No more sleepless nights, worrying the doorbell is going to have creditor at the other end of it or arguing over money. We managed to get low valuations of our property, so can buy the BI for £213.00, our life policies we have bought back for £50 each, and no one (apart from family who we told) is any the wiser. We have more 'spare' cash than before (never any left from paying creditors)...and we are in control of things for the first time in a very long time. We have an IPA of £458.00, but it's a small price to pay for peace of mind. The advice on here and from our Ip was invaluable, it helped us plan our BR and I can safely say we will never get in that situation (80k debt) again. To anyone who is reading this, please get good advice and don't be scared. Take care, Sunshine x [/quote]   Check here to include your profile signature.