Well I am very please to say I have taken my first step last night I filled out the form on cleardebt and today I received a phone call from Mike Morgan who went through everything with me and I am pleased to say it looks like I could be on my way to an IVA. I never thought I could feel this much relief after one phone call, god I even cried as soon as we put the phone down.

Now I obvisouly know that there is no gaurantee it will get through but I am so happy that I have just taken the step in trying to sort things out.  After the phone call with Mike it took me a while to build up the courage to phone co-op for a bank account even though it was just a basic one I am so used to banks saying no, that I just assumed that is what would happen, but alas they said yes no referring me to anyone else or anything a lovely yes!!!

I feel good and bad, good that my debt is less than I thought £14,068
and they say an IVA is still an option I thought it was only for debt over £15k but hey I am still happy, bad well to be honest everyone I am so scared, I am scared they will say no, I am scared that I have finally faced up to things and I am scared because I am only 24 and have got myself into a whole heap of mess.Let me explain why I got into debt when I was 17 I was raped by a few guys after a night out with friends, and basically I tried to buy myself a new life and new memories I didnt want anything in my life that was the same as when these guys did this to me, so yes it was for material things but there was a reason behind it.

Thats the bit from my forum post just telling you guys the reason behind my mess, but some even better news is Mike is going to go in for monthly payments of £110, I mean god when I have spoken to other companies as soon as they hear my income they just laugh well I can sing Mikes praises enough maybe now the sun will start to shine

Joanna�

Well I am sure my story is no different to anyone elses, I am in debt and I cant cope. 

I have set up numerous payment plans with my banks and other debtors but due to system errors the banks keep getting them wrong, not taking payment, or adding on chargs in error.  I am getting letters nearly every day demanding money I then have to call them and sort it out this vicious cycle is making things so bad I am sitting looking at my ani depressants every night and wondering maybe if I just ended it all everything would be better.

What is making things worse is that I cant even declare myslef bankrupt as in September I will be going back to school to do my law degree and in Bankruptcy you cant join certain professions or so I have been told anyway. So now I am joing this blog site and searching for advice from people who can help me make things better.  I feel so trapped and alone and I have no one to talk with, I cant tell my parents the full extent of my problems as at the moment my gramps has been diagnosed with lung cancer and my dad has been told he has MS. They don’t need my added stress as well.

I make such little money I am only part time employed by a friend and earn just £423.81 a month but I know I could make a IVA work as my parents would let me move home so I would have at least £150 p/mnth to be able to pay.  Or my other option would be a DRO but will this affect my dreams of being a prosecution lawyer.

 Well thanks for listening everyone and I hope I manage to get some good friends

 Joanna xxx