Not coping very well.

restofmylife

thepup wrote: »

Hi

Thanks to all who have replied thus far.
I tried to make a CAB appointment and they said they are booked solid until July!!!
I will have to get over there on the "drop in" day.

Will have to sit down with the wife to sort ot the income/expenditure thing.
One thing I am starting to convince myself of is that if I do have to declare bankruptcy I can't be more stressed and unhappy than I already am.

I will try ringing National Debtline and see what they say.

Mr&Mrs.....the wife is fully aware of things but still trying to convince me we can avoid bankruptcy.
I don't want to involve the kids til absolutely neccessary. My eldest is bright, no doubt she understands the stress I am under, just that she probably doesn't understand the implications of it all.

My wife says she is more worried about my mental state than the debts.

It was the National Debtline who helped me, also if you are renting from Council or Housing Association it is highly unlikely that you will lose your home. It may be an idea to ask your wife to read some of the posts on here to gain a better understanding of BR and the implications of it. I am only 7 weeks down the line and life is getting so much better already and I am missing the phone ringing with all those creditors - NOT:D

jellygirl_2

There is a way through all this trouble you are having. Hiding away (although its all you want to do) will not help you or your family. You are currently without a plan or clue of what to do. Firstly, bankruptcy is not the end - it is a new and fresh start for most people - removing the stress and strain of feeling like youre buried under debts.
You, (along with your spouse) need to face your financial situation, and get a clear picture of yor income versus outgoings. There are debt charities who can help you to do this, either over the phone or face to face. Once you have a grasp of that situation, you will then be able to see what options are available to you, and whether bankruptcy is the best choice.
It does take courage to face this, I know, but once you start, you will feel a whole lot better - nothing like a plan

Sublime_2

You've been given some great advice. A really good place is the Consumer Credit Counselling Service (CCCS). They are a registered charity and they will help you with your income and expenditure, and help you draw up a debt management plan. You will feel a huge weight lift off your shoulders once you've spoken to them and got the ball rolling.

http://www.cccs.co.uk/

I hope things get better for you soon.

jenni75

Merlinexcalibur wrote: »

My earlier posts were too long but I wanted to mention that as you present your situation, and to offer a 'suggestion' in that direction that may help to take off the pressure of jobsearching (which, TBH, what I am reading right now isn't helping anything it's making it worse and also TBH you can't function like this any more having this amount of pressure at once) but to look into a disability benefit of some kind. All I have read you should be entitled. Maybe find out through a benefits advisor or welfare rights people in your area. I offer this suggestion because I can see the sheer hard time just in that direction alone.

May be worth seeking some advice on the benefits board, with regard to the above.

philnicandamy

as well as www.entitledto.com

sniggings

I wouldn't even think that the OR will notice your kids concert tickets so cant see that being a problem but if you do go BR living within a budget is what you will have to do without credit, so it might be a good time to get the kids ready for that and a bit of tough love is a good thing,I'm sure she will understand if the tickets are taken away but if she dosn't then she will have to start to learn how a budget works,it's amazing how differant things look after BR, all that weight gone, no more debts,the tickets will look alot differant then,not such a big deal.

Remember it's only money,they stopped putting you away for debts over a hundred years ago(I think or is it a bit less?)so stop being so hard on yourself:beer:

sandraroffey

bankruptcy was the best thing i ever did.

the relief that all those debts just go and the stress and hassle goes with them.

and now discharged after one year?? amazing. a whole fresh start and nothing can beat me now.

dan_essex

sniggings wrote: »

Remember it's only money,they stopped putting you away for debts over a hundred years ago(I think or is it a bit less?)so stop being so hard on yourself:beer:

:T

spot on, it IS only money at the end of the day and, so long as you have your health and your family, you are still a very rich man.

fiveyearplan

I survived the bankruptcy too! We all on here have lived to tell the tale and I doubt anyone regrets their decision.

So_Sad_Angel

dan_essex wrote: »

:T

spot on, it IS only money at the end of the day and, so long as you have your health and your family, you are still a very rich man.

.....& if you have no other option financially then BR is the lifeline you need....thats what its there for.

Angex