Keith White

Keith White, Author

Experienced DC with 30 years helping others.

Articles published: 210

Articles by Keith White

Main image

New Year - new habits: minimising outgoings

One of the common themes of the stories from those who have undertaken an IVA is the need to live within a stricter budget. This involves care in where our m... Read more
Main image

New Year - new habits: working overtime?

To be honest, it’s difficult to increase income during an IVA without it affecting the IVA payment level. This payment level is based on affordability and... Read more
Main image

IVA? Wrong decision!

Graeme did all the right things with regard to his debt. He researched options. He spoke to 3 different companies and didn’t allow himself to be pressurised by anyone until h... Read more
Main image

Thinking again about a rejected "joint" IVA

David and Sarah have been married for 5 years and during this time each had accumulated debt. Apart from their joint £500 overdraft, David had a loan a... Read more
Main image

The ostrich approach

Looking back, Brian was unsure why he had been so reluctant to admit there was a problem with debt. All debts were paid on time, and because his outstanding credit rating, there wa... Read more
Main image

How about a lump sum IVA?

Jane explained that she had been struggling with debt since her late teenage years over 10 years ago. Overspending when she first was offered credit led to pat of her income a... Read more
Main image

IVA EXAMPLES - when it was the wrong decision

Graeme did all the right things with regard to his debt. He researched options. He spoke to 3 different companies and didn’t allow himself to be pres... Read more
Main image

IVA EXAMPLES - when a baby arrives

The arrival of Hannah was meant to be one of the happiest events in Felicity and her partner’s lives. And indeed it was. However, Felicity on sharing her story,... Read more
Main image

IVA EXAMPLES - recognising the problem

Looking back, Brian was unsure why he had been so reluctant to admit there was a problem with debt. All debts were paid on time, and because his outstanding credi... Read more
Main image

IVA EXAMPLES - offering a lump sum

Jane explained that she had been struggling with debt since her late teenage years over 10 years ago. Overspending when she first was offered credit led to pat of her... Read more