yet another sleepless night, never mind i have a plan.
got a letter from the iva guys today saying that my new proposal will fail,
Well suprise suprise they were offering 22p in the £and taking 35p for themselves.
I offered last year 100% please dont ask why, based on the sale of the fmh. This will now not happen ex wife lives there with her kids and the courts wont shift her.
My plan is, fail the iva before they do, family will lend £16000 use this to pay of tax + vat man this leaves me with £50.000 of unsecured debt with all sorts of different companies i have approx £650.00 a month spare cash i will jolly this up amongest them all untill debt paid.
how does this sound? Will i be able to avoid the bankrupcy route? i will do all to save my house i have about £50.000 equity unless the markets crash.
hope someone has a veiw