What Happens At The End Of My IVA?

woman with outstretched arms

Question Hi, and thanks for taking my question. I began an IVA almost 5 years ago and have been making payments each month. The IVA was modified a couple of times as my income changed, but I have never missed a payment. What happens at the end of the 5 years? Do my debts magically […]

I Am in Poor Health and Have Debt, What Can I Do?

stethoscope and medical records

Question I have debts totally around £15,000 and no way to repay them. I cannot work due to poor health and am now only receiving benefits. I do not own any property, and can barely afford to live on what I receive. I need to be done with these debts. What can I do? Desperate […]

What is a County Court Judgment or CCJ and What Happens If I Have One?

judge banging a gavel

One of the tools to collect a debt in the arsenal of creditor’s collection efforts is a CCJ or County Court Judgment. When a creditor decides to go to the courts and get a CCJ, in some instances, not all instances, they may have exhausted all the other efforts they may have tried. It may […]

Will Having a CCJ Affect Getting UK Citizenship?

British flag colours

Question I am living in the UK under a ILR and am now seeking Citizenship. In completing the application to become a UK Citizen there are questions related to good character. I have lived in the UK for over 10 years, and have found myself in debt, and I have a CCJ, and also I […]