"dont know what more i can do"

k400dge

Hi,this is the first time i have spoken on here,i am in sever debt to the tune of approx £65k,last year i had a business failure and wasnt ltd so all the debt came to me,i have never tried to shy away from the debt but just have got no way of paying it,i have a house with a mortgage of £160k which is worth £170k and £12k to pay in penalties if we sell now,fixed rate term with kensington and payments of £1078 per month and only £1500 a month coming in,i am trying to cope with the debt on my own as i havent told my husband the full content of everything as i beleive he will leave me if i tell him,my kids know more than he does,i am only 38 and feel suicidal all the time,i am in a debt management arangement but am being told i am paying too much,i have ccjs coming out of my ears and a statutory demand for bankcruptcy i dont know what to do with,i think if i wasnt here it would all go away but i love my family too much to do anything about it.please help before i decide what to do!

**Amy**

Hi

Welcome to the board. I just wanted to say please dont give up.

Who is your DMP with? If you are paying too much it is defintely worth speaking to them again.

I would suggest speaking to one of the free debt charities. CCCS or National Debtline are fantastic.

I honestly think you should tell your husband. I know i dont know the "full story" but I know how i would feel if i were to find out accidentally. It would be worse than to be told by my partner. Not only that, he may be able to offer some support to you so you dont feel so alone.

Definitely call one of the above ASAP.

xxx

Snaggles

Hiya - firstly please don't panic - you are in the right place - welcome! :hello:

Secondly, I would second Amy's post about contacting the CCCS or National Debtline, or the CAB.

Then perhaps draw up your SOA (http://www.makesenseofcards.com/soacalc.html) so we can see if we can make any suggestions to make life a bit easier (and cheaper).