omg

loulou73

hi thanks for replies,in your opions should i rent somewhere first and then hand keys back then go br or rent go br then hand keys back.

startagain_2

loulou73 wrote: »

hi thanks for replies,in your opions should i rent somewhere first and then hand keys back then go br or rent go br then hand keys back.

Can't answer that one - I am a HA tenant and haven't been in that situation. As long as you rent before BR I am not sure that the key timing issue matters more - before or after. Someone will advise shortly, I expect.

SA

So_Sad_Angel

Hi Loulou

Try & keep calm Honey....lots of <<<hugs>>>

Finding somewhere to rent & seeing how much less it costs to live will make you realise that you really could not carry on with overwhelming outgoings.

Have you spoken to CAB, CCCS, Nat Debtline ?? & remember that when you feel low & uncertain ...there are many on here who have been there & know just what you are going through. It is tough make no mistake, but that light at the end of a very dark tunnel is in sight.

Take care, Angiexx

Merry_Gentry

I would say rent before you go BR. As for handing back your keys - well, I want BR in June last year and still have keys :rolleyes:

Nomoredebtnow

Merry_Gentry wrote: »

cant bear the thought of others knowing when they put notice in window of old house for all to see,
My neighbours know why I went br and are/were incredibly supportive. As for a notice appearing in the window - who cares? The house represents a chunk of my life that went wrong - a notice in the window means nothing compared to sorting my life out.

worried about telling parents as they think i settled
I panicked about what to tell my Mum and my sisters. They shocked me by being incredibly supportive and more concerned that me and my girls were alright than anything else.

worried what to say to kids
I ended up telling my two eldest (13 and 11) to explain why it was so difficult getting a second rental when things went (@y@) up in the first one with XHTB. They don't understand all of it, but they totally understand that money is something to respect, to not take for granted, and if they want something it has to be saved for and not just lobbed on a bit of plastic. They are better kids for it in my opinion, and I hope it means they never end up going through anything like this.

just worried
Take a deep breathe. Look at what has brought you to this position. And consider what life will be like afterwards - no longer afraid of the phone, scared to open post, able to budget with all of the money you receive and save for things. Your finances will be totally within your control. Bankruptcy, though not easy, is a chance for a fresh start. You're going through birthing pains, but it will be worth it.

l did it same mate
I hope it all goes well Loulou Best of luck