worried dont no what to do next

deedee_3

If you have only £15,000 worth of debt you may be able to go for a Debt Relief Order. These are available in April. Ask about it when you talk to one of the debt charities.

http://forums.moneysavingexpert.com/showthread.html?t=1385275&highlight=Debt+Relief+Order

motivate11

deedee wrote: »

If you have only £15,000 worth of debt you may be able to go for a Debt Relief Order. These are available in April. Ask about it when you talk to one of the debt charities.

http://forums.moneysavingexpert.com/showthread.html?t=1385275&highlight=Debt+Relief+Order

thanks for replys the debt relief order sounds viable but dont know if it can last that long thanks again

dragon_lady_4

I am a newbie, so apologies if I have posted this in the wrong place.
Has anyone else seen the petition that is trying to prevent new laws that will give further powers to bailiffs - if the law is passed, it appears that private bailiffs will be able to force entry and use 'reasonable' force on householders.

http://petitions.number10.gov.uk/paulsrestraint/?signed=e08f52e.e4258b

motivate11

im back and due to go to court on monday filing for bankruptcy
the debt relief order is not viable to to the failed iva
taken a long time to get the court fees together and just in time as am getting a lot of threating letters etc from dca's
anyway squeeky bum time and am really anxious about everything hopefully a fresh start come monday afternoon

antarctica

Good luck, I'm sure you'll be fine.

motivate11

antarctica wrote: »

Good luck, I'm sure you'll be fine.

thanks my heart rate is ready to implode although everyone says as you do im still worried was actually shaking with nerves yesterday after yet another letter

antarctica

If you're going BR then you can ignore the letters!

or make paper hats out of them

eveningstar201

motivate11 wrote: »

thanks dom unfortunatly my only family is my mum who i could call on but her and partner are not in a position to help
i should receive the certificate within a month for non complience of the iva at least bailiffs cant come and take goods just yet not that i have much of value any way
i have just started a benifit claim today for the first time since i left school about 17 yrs ago never thought i see the day this would happen how things can change quite quickly
ps sorry about the grammer not one of my strong points

Hi Motivate 11,

People before me have all offered good advice so I have nothing more to add. I just wanted to say that there is no shame in claiming benefits. It's your right. What do you think you paid taxes all these years for! And you know, just as things can change for the worse, they can also get better. I hope things go smoothly for you, whatever decision you make. Best of luck!

motivate11

i am earning again still self employed though and not earning loads but scraping buy thanks for everyones help and support will post back soon

motivate11

well yesterday was ok better than i thought next step the or interview
big weight lifted off my shoulders a new start
no credit which i can live with and i must say dont want any i have lived without out credit for 2 years approx
if i havnt got it cant spend it why didnt i listen to my nan when i was a wee lad she was right
feel alot happier today and had a good nights sleep
i never saw the judge by myself it was agroup of us of about 20 all together and was just asked if we had seeked legal advice and if we understood the implications of bankruptcy
and it was done