Debt: In a mess, please help :(

Ember999

ineedhelp2008 wrote: »

Thank you. I did an SOA and promptly threw up

Not quite ready for that me thinks.......

Hi hon,

I just read your S.O.A. so I can understand why you would want to throw up. Try not to worry though, you can do something about this, it will just take a little time. Have you missed any payments yet? or is everything up to date?

Your income deficit is quite large and from looking at your S.O.A there isn't really a lot I can see that you can save money on. Your fuel bill for both vehicles is horrendous - a petrol bill like that would make me be actually sick..add to that the cost of 2 lots of car insurance, car tax, MOT's and repairs etc. it seems to me like most of your wages are eaten up with paying to send your child to nursery and fill the car up with petrol! But, without what little you have left from your wage, you'd be in an even worse position.

I think it's going to be very hard to get out of this with your credit rating intact sadly. The debts are just too high.

I think you need 'free' professional help.

!!!!{hugs}}}