hello help needed

money_penny_26

it was c.a.b.he just told me.he is speaking to me now i have told him about this forum.he said he couldnt beleive anyone else is going through thid.that makes him feel better.but i dont feel better cos i didnt know did i.i feel guilty now cos he been through all this on his own.still cross at him but he looks so lost at mo

Holes_in_my_pocket

recently on news 340 people a day going bankupt many towns have a waiting list to attend the court so YOU ARE NOT ALONE

december

I can only echo what Sunny Bear has said. It would be beneficial for you to make a list of your creditors, how much is owing and who's name the credit is in and then make an appointment with one of the debt charities such as the CAB, CCCS or National Debtline so that they can help you to identify your options and decide where to go from there.

December

Sunny_Bear

the cab are great, them telling him he must tell you was a good thing so you can now move forward. You most certainly not the only people going through this, there ar emany many thousands, so please dont worry about that.

I had 34,000 debt and now its gone its like a huge weight has been lifted, yes it was v scary at the time but now its done its the best thing I ever did!!

I reallt think tomorrow write down the debts and then come back, maybe if your feeling up to it, complete a soa (Link above in another reply) and post it here and we'll see what we can do xx

money_penny_26

thankyou all for talking to me.one of the toughest nights i have had in a long time.me an hubby sat together now an we both appreciate your words of comfort an wisdom.all i can say is ...i will be back. penny xx

Sunny_Bear

night money penny, hope you get some sleep, chat with your h and I hope to see you here tomorrow xx Take care lovie xxxxx

iquit

Hi MP26 and welcome to the forum. Please feel free to contact and communicate with people on this forum. The help they offer is invaluable. No one will judge you as we've all been or are going through debt crisis. If venting here means you can then have a calm conversation with your hubby then we are all happy to help. Debt is an emotional minefield so pop in and we'll help defuse things for you. Do seek professional advice as well from the free debt advisory services like previous posters have said. Good luck.

So_Sad_Angel

Hi Penny.....Want to say welcome to both of you....believe me you are certainly not alone & in many ways you owe a lot to your good friend you has put you onto this forum. So many people deal with this awful situation themselves & I can only imagine the distress of not having others on here that genuinely want to help you & more importantly know just how you feel.

In terms of the debt...well....`you are where you are` so now its time to read up, get knowledgeable & speak to the right people . ie free debt charities ( don`t be fooled by these debt advisors that charge....impartial advice will always be free!!)

You sound like you have had a shock but BR does`nt mean you will lose your home, personal belongings or income...just the debt. Sounds like your hubby made a mistake & he just wanted to make life better for you both....luckily you have options now.

The realisation of the true debt position is the worst bit....when its out in the open at least you know what you are dealing with.

Hope that helps & try not to be too upset Honey.

Angiexx

gettingbetter

money_penny_26 wrote: »

getting better...you said we is that you an your partner then,i dont know if you are a man or woman sorry im not been rude.did you do it together both go bankrupt thats what my hubby been to see someone today,an they said to tell me,has most debt in my name,i did know about it but he said at time we could afford it.

hi

sorry for delay
i am female (39)
i didnt pay my council tax :eek:
i hid the mail, didnt answer the phone
(told oh it was someone trying to
sell double glazing)because it was joint
bill we were both made br :eek::eek: i was so
ashamed we had got us in this state
i still denied it. itwas only when my father
arrived at my door (guarantor for my house)
i finally had to admit everything
as said above please dont go to anyone
who is going to charge you for help

use CCCs or PAYPLAN and if ur unsure of anything
dont be afraid to ask here

all the best to you and your oh

kas xx

money_penny_26

good morning to you all,not slept well but found out a bit more from o.h.i am still angry with him,but he wont talk about it if i get upset.i am very tired this morn but its sinking in more now.i realise i have bumbled along an left all money matters to o.h.an just thought he knows what he is doing,i suppose i was selfish then in doing that but he has always done the money side of things.it appears that a lot of the debt is in my name 19000
15000 in a loan an 2 credit cards about 4000.o.h.has about 12500 in his name on credit cards.we are on benefits me d.l.a. hubby a carer an he gets income support.we have a cheap run around car.no house or valuables.been reading through the night on here about the lady going for a d.r.o.whats this.i cant put up s.o.a.at moment cos i dont know what we pay out....hubby finding it hard enough to tell me so may not like it if i do this yet.our daughter coming today so must put a face on for time being.it is so sad reading some of your storys,but also know a lot of you must have been where i am today.i will feel better soon an be able to stop moaning to you all when you all have your own worries.how do you find out all your info? did you start off like me on here. bye for now