What now?

ineedhelp2008

If I earn but my partner doesn't, and most of the debts are in my partner's name (although it was joint spending iykwim), and the likes of CCCS wont touch us because there is nothing left over to offer creditors (loan company and credit cards) what are we supposed to do?

We have cut back on everything that we can.

we have already had one 6 month period of paying £100 pcm with frozen interest to the biggest credit card, they won't do it again.

staffie1

have you done a SOA so we can see if anything further can come out of your monthly budget?

ineedhelp2008

hi yes I have previously, there is no room for improvement sadly.

Lensman_2

Sadly, Bankruptcy may be appropriate for your partner. What did CCCS reccomend?

McKneff

Why dont you post it anyway, fresh eyes and all that?

ineedhelp2008

Can't do bankruptcy as he is part time armed forces. I wish we could.

angelicmary85

Hiya,

I think Annie might be right, maybe you should re-do you SOA as it may help?

ineedhelp2008

£700.00 a month short not likely!

ineedhelp2008

Just did it and wiped it somehow, will do another one when i have more stomach for it!

posted_2

Do you still have £10k's worth of car/van?

ineedhelp2008

Yes, its actually 4-5k's worth of van now and pointless getting rid of as this is his only means of obtaining employment in the future, its also still on HP.