I currently have £36000 worth of debt, unsecured, I earn roughly this a year, I do not own a home and have no significant assets, my monthly debt payments is around £800 p/m with this and house hold bills, rent, bills food etc my wage is gone, is bankruptcy for me or should I consider an IVA
I echo Viki's words - there are a couple of debt solutions you could consider but please pick up the phone and speak to an expert. The advice is free.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant