Hi i have spoke to a lady at CAB and she was not very keen on me going down the bankruptcy path and wasn't sure on the ins and outs of an iva. Everyone has been so helpful on here but my head seems to be going round and round in circles. I have so many questions on how i go about getting through this the steps i need to take now that i have decided that this is the path i need to take but i don't want to be a pain or for people to think that i am not paying attention to what i am being told on here. I am listening to all the comments but my head is still filled with questions
Why was the lady at the CAB not keen on you declaring bankruptcy? It's not really her choice, it's yours. Your only other choice is a debt management plan and from what you have posted on here and also our sister forum, then it sounds like bankruptcy is definitely your best option.
Speak to an expert on here and chat everything through.
It's just difficult because i feel so down at the moment. I'm not sure why she wasn't keen but i didn't come away feeling to relaxed that they were going to help. I know i posted on the iva site because i am currently in one and thought i would post on the bankruptcy one as that is what i intend to do, not wanting to be a pain. I've got bits and pieces in my head that i need to do it's just putting them in order.