Help needed to decide please

biglad

I am currently on a DMP with payplan and paying £400 a month but my health is taking a turn for the worse and could really do with reducing my hours at work, which will in turn reduce my income

I have NO assets apart from my push bike which is my mode of transport.

me and my gf rent a house and all our banks etc are seperate all i pay in my own name is the virgin bill and the online food shopping

Gf has a car just in her name but im on the insurance (they couldnt take this could they?)

i know br stays on file for 6 years but my credit history is a mess due to loads of defaults etc and will be another 2 years til i will pay money off so in theory my credit is a mess for 8 years

any help appreciated

maxmycardagain

go bankrupt







NEXT!

Deep_In_Debt

Straight to the point max, as ever!!

startagain_2

maxmycardagain wrote: »

go bankrupt







NEXT!

I can just picture you with a little bell that you ring after the "next" ....

SA

copier_guy

are some of your debts from gambling?

tigerfeet2006

biglad wrote: »

I am currently on a DMP with payplan and paying £400 a month but my health is taking a turn for the worse and could really do with reducing my hours at work, which will in turn reduce my income Give one of the debt charities a ring, numbers and links in my sig. and discuss your situation with them.

I have NO assets apart from my push bike which is my mode of transport.

me and my gf rent a house and all our banks etc are seperate all i pay in my own name is the virgin bill and the online food shopping

Gf has a car just in her name but im on the insurance (they couldnt take this could they?) No. You just put it down as`a vehicle you have use of.

i know br stays on file for 6 years but my credit history is a mess due to loads of defaults etc and will be another 2 years til i will pay money off so in theory my credit is a mess for 8 years

any help appreciated

HTH. Keep asking questions and reading, start with the Bankruptcy Help sticky.

maxmycardagain

new year resolution

keep it short, straight to the point

but if i was the OP id buy a car instead of pedalling to work...

Deep_In_Debt

Seriously though, I've been trying to help OP on the DFW board and suggested posting on here - I forgot to warn him about max!

maxmycardagain

Deep_In_Debt wrote: »

Seriously though, I've been trying to help OP on the DFW board and suggested posting on here - I forgot to warn him about max!

i coulda waffled for hours, but we all want to watch the tv dont we?

:money::money::money::money::money::money::money::money::money::money::money::money::money::money:
:money::money::money::money::money::money: :money::money::money::money::money::money::money::money:
:money::money::money::money::money: :money::money::money::money::money::money::money::money:
:money::money::money::money: :money::money::money::money::money::money::money:
:money::money::money: :money::money::money::money::money:
:money::money: :money::money::money::money:
:money: :money::money::money:

biglad

Deep_In_Debt wrote: »

Seriously though, I've been trying to help OP on the DFW board and suggested posting on here - I forgot to warn him about max!

dont worry, appreciate the help and gathered he was just joking

Thanks tigerfeet will ring up payplan on friday when they open

Copier_guy yes quite a few of my debts are from gambling although as my sig says i have stopped now which im glad about apart from the odd dabble on the lottery

Basically just want to know the ramifacations if i went BR would it be the end of stress and worry or would they do an attachement to earnings if i earnt a certain amount?

fiveyearplan

maxmycardagain wrote: »

new year resolution

keep it short, straight to the point

but if i was the OP id buy a car instead of pedalling to work...

Work? - I thought that was for commoners Max.