advice please

hapheidi

Hi I sought advice from the cccs approx 4 months ago and they gave me usefull advice on reducing outgoings etc and i took all advice and still am not making any headway i am still falling behind approx 500 pounds a month and have no way of pulling this back, this income was lost due to achange in circumstances. I have done lots of reading up and really am feeling that bankruptcy is the only option i have left, I am a home owner but due to house prices dropping i have no equity left in my home, my home is quite literally falling apart around us and i cannot afford any repairs it is just feeling desperate and i am not sure how i should be handling it. I feeling that i need to file for bankrupty but am concerned about my home situation I have a young son and am worried about getting cought in a position where i am bankrupt am being given a period of time to find other accommodation but am unable to do so because of being bankrupt, and also then being stuck in a house where i cant afford to repair leeks, boiler etc. Shouls i be looking for a rental property before i file for bankruptcy.

Any advice would be greatly appreciated.

ladybez

Welcome to the board. Although a newbie myself I know you will get a lot of advice and suuprt on here. May I suggest you prepare and post a SOA? Sorry don't know how to post link but see the relevant sticky at the top of the board.
Good luck

clearmydebts

Hi,

Sorry don't know enough about bankruptcy to give advice but just wanted to say hi and welcome to the board. Someone will come along and give you advice in a minute.

hapheidi

thx, I did post a soa a couple of days ago but all the advice given is stuff i had already done

laura2481

You could try posting on the bankruptcy thread for some more specific advice on that area. Good luck!

hapheidi

thatk oyu i will try that