help what should i do

tillymay_2

i have around 7000 debt iv got so many little bits and bobs here and there i dont know where they are now.... i bin my debt letters and i have moved house and not told my old creditors as i do not work due to a recent illness and i have 2 small children i just cant afford to pay... i rent my house i cant even open a bank account or get a provident loan thats how bad my credit is...
i cant afford to pay to go bankrupt help someone please with advice
i cant pay even 10 a month and with me having a lot scattered round diff catalogue small loans bank loans overdraft gas and electric etc every debt company was demanding 10 a month which came to alot with them all.
should i try and save to go bankrupt or is there a way that i wont have to pay wil it effect my benifits if i go bankrupt?
thanks xx

jennihen

£7000 isn't a huge debt so don't panic! You've got to take the bull by the horns and start dealing with it!
OK - you're not working with 2 little ones in a rented house - Are you getting all your benefits??
The Job Centre will give you a letter to take to the post office to open an account if you can't get a basic account anywhere else.
DO NOT take a Provi loan. Contact one of the debt charities who will help you for free. Your creditors cannot take money you don't have. You can make arraangements to pay back a token amount until you get your finances in order.
The debt is the east bit to sort out - the hard bit is changing your spending habits so you don't get into debt again!!
Must dash - will be back later!!
JH

jen_a_c

You might be best to re-post this on the Debt Free Wannabe board here - lots of very helpful, and non judgemental people

jennihen

Sorry! Really didn't mean to sound judgemental. Tillymay - Just wantedto get across to you that no one can take money you don't have. Using the template letter and debt advisory charities, will get your creditors off your back long enough to come up with a plan.
If you do one thing today - post your SOA on the DFW board, phone the CCCS,
its a start to a debt-free life!!
Good luck - here,s to being in control of your own destiny and sleeping well again at night xx