Panicking.....please help

slummymummyof3

2nd job? Come clean but show him you are doing something to try and rectify the situation - at least that will command some respect after he has calmed down. You might find he wants to work with you to sort this out together. Ideally you need to be increasing some of these minimum payments in order to speed the process up (sorry not meaning to teach you how to suck eggs!!!)

MrsTinks

Well personally - and this is just me - I'd tell him now - Payplan will help you set it all up etc but it means that you can close the joint account a lot easier and it will make things simpler to manage - you might find you have to break down the mortgage/bills for your DMP though...
Ultimately DMP or speaking direct with creditors - you will miss payments. You can't continue robbing peter to pay paul and the longer you put that off the worse it'll get. The only other solution is for you to find the shortfall between your income and your outgoings - is this a possibility? Otherwise then you are better of sticking to your DMP.

discogirl78

Going to have a good think about it!! pluck up the courage and deal with this!!! I have to!!!!! I can't continue like this!!

Thank you for all your advice. I am going to try and get some sleep now!!

Thank you!!
xxx

depressed_but_determined

Hi Discogirl, I just want to reassure you that telling your OH is the worst and the best thing you will do.

I finally admitted to my new hubbie (we got married in October) that I was 32k in debt in December and as much as it was the hardest thing I have ever done, it was for the best. He yelled and cried and hung up the phone on me a few times that day but when he came home he gave me a big cuddle and said we would get through it together. I am on a DMP with the CCCS and he has been so supportive. I had the best sleep that night that I have had for a long time esp now I don't have to lie and cover up what I am doing.

He may be angry and disappointed for a wee while but he loves you and you will really appreciate the support while you deal with the creditors and start getting yourself debt free.

You are doing the right thing so be proud for finally dealing with your debts. We are all hear to support you and I certainly understand how you feel. Good luck and let us know how you get on.

lots of love

xxx