Anyone been through the process? I've had an IVA for 2 years (3 still to go) and really struggling to keep up the payments. Have been advised to go bankrupt as my credit rating is pretty much gone anyway.
This isn't personal debt from buying shoes and pink shiney things before anyone makes any judgemental comments its debt from my divorce / ex husband playing at being self employed for several years and everything from 'normal life' i.e credit cards, loans, overdrafts etc being in my name.
How painless is the process i.e. the freezing of your current account for a while etc
