hi, will i be frowned upon for not attempting an IVA or anything before BR we dont have any disposable income and our personal debt is high (£75.000) I will feel embarrassed when asked if id made any attempt to repay and i haven't,i was using the credit to pay credit, thanks v much.
As Jan says not everyone is suitable for an IVA. I tried one and it didn't work, and none of the money I'd paid went towards my debts so no-one gained from me trying it.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.