Where do i start?

Hi
Can't really offer any advice, but sure someone else can. I've just posted for the first time today too and just wanted to say that I understand the being scared bit.

Our debt has built up over the years and to be honest now we try not to overspend, most of our spending is on children too and on our business.
Our business is quite young so we've not really started to make any money on it yet and we are living off an overdraft most of the time just to pay our monthly bills.

My partner works virtually 24 hours a day at the moment, a few days over the last few weeks, he's not came home at all. Most nights he comes in about 3am, then goes back again around 9am. I am a partner in the business but am a full time mum really at the moment. 7 months pregnant with our 3rd child.
We get help now with tax credits but only just recently as they still had my partner down as working full time with his previous employer, so the backdated payments were a great help, but have now gone.

Our worst things are our credit cards and a loan. We do have a mortgage, but luckily we manage to pay that ok.
I'm going to try to do an SOA as advised on here, so maybe you need to do that too, then see where to go from there.

Good luck
Yvonne

...and most importantly, don't panic. There's a good bunch of people on here who will want to help.

The information you'll get from this board is like gold-dust. You've made the first step by coming here. No-one will judge you. You'll be surprised at how many people are in the same boat as you.

Best wishes

BC

god my heart goes out to u you will have 2 come clean to hubby believe me been there bad enough the worry of the debt but hubby not knowing that going to double it i had no choice had 2 tell him you probably be like me money doesnt go on your self i always went over the top at xmas told him this cost x amount money when it was reallyxxxxx amount of money i handled all the money so it was easy managed all rite but he got sick 6 months ago cant go back to work 32k debt 150£ week to live off now got myself sorted now cab helped but we both be gone before debts payed god i wish i new about mse then you will be helped on here we get by now but it is 3 am and i am awake what ever any body advices like going out coming in do it no body is judged on here stay posted welcome to mse

Hello again. How are you today? Hope you have heard something you can use. Stay calm - I know thats easy to say but try.
Just wanted to say I have won one small battle this morning against a big catalogue company in Manchester (the Big One) They have written off my small debt (£140) to them after weeks of my complaining about the harrassing, threatening, intimidating telephone calls made by members of their staff when I was late with 3 payments. They ignored my requests to not to call but all to no avail. Never answered my letters. I wrote to the MD in the end but I did find that I had NO protection from any organisation such as the FSA, Financial and Leasing or the Ombusdsman. Perhaps someone will tell me who does protect us against these companies who harass us, sometimes for only peanuts and how to deal with them?