help 11,000 debt dont know what to do

RAS

Stabilo

Please can you start a new thread - the little button at the top of the front page, rather then posting in the middle of Lucy's thread. Or pm fermi and ask him to move your thread for you?

lucysian

thanks for the suggestions guys I am working on cutting them out! so I cant afford the repayments but I cant get rid of the 800 default that needs to be paid how can I do this is a short term loan a good idea? really dont want people appearing on my door step and stuff like that xx

**Amy**

I really really wouldnt suggest getting another loan.

Speak to the company you defaulted with and see if they can offer you a soluton.

But please speak to CCCS or National Debtline. They will really offer you some great advice.

x

RAS

HI Lucy

You need to
talk to one of the debt charities,
get your expenditure this month below your expenditure, which is possible if you do as advised above
So that you can pay the company that you have not paid recently the money for this month's payment.
Find money to make a small payment towards the arrears and show willing to pay off the outstanding debt. This means making extra money not taking extra credit. Sell stuff or get extra work.
Once you have spoken to the debt charity, devise a plan and write to the creditor with an offer to pay off the arrears over time.