Welcome,Welcome,Welcome

Lightattheend

To add to all the excellent advice so far, I have realized that bankruptcy is not restricted to one 'type' of person - all 'sorts' of people contemplate bankruptcy as a last resort when, like me, they have exhausted all other options.

A few years ago I would have never considered I would need to go down this road but circumstances meant I ended up a single mum of two, redundant and unable to keep up a mortgage. After getting lots of great advice, from CCCS, NDL and here I went down the BR route, its not all over yet but the worry is much less and I am now in a council house, working, happy with two wonderful children.

If you are struggling then please don't feel you have failed to consider this route, just that you have been strong enough to realize this may be the best way forwards for you and your family. I will add you must always take advice from one of the free debt agencies before going down this route.

fiveyearplan

Thanks for opening this thread DI. We usually see people creeping over from DFW this time of year to see what bankruptcy entails. Hopefully everyone who has questions will have the confidence to post! Happy New Year to all!

MicheH

This got me through my bad times before bankruptcy.. Journey - Don't stop believin' http://www.youtube.com/watch?v=rfUYuIVbFg0&feature=related It's not really, really relevant to bankruptcy but it always makes me smile, want to sing, jump about about and still sends a chill up my spine

dojoman

MicheH wrote: »

This got me through my bad times before bankruptcy.. Journey - Don't stop believin' http://www.youtube.com/watch?v=rfUYuIVbFg0&feature=related It's not really, really relevant to bankruptcy but it always makes me smile, want to sing, jump about about and still sends a chill up my spine

Great thread, and great song choice, not heard that song for a long time.

confused76

i'm hoping people who are lurking with problems are brave enough to post ...we're a friendly bunch and will help any way we can

So_Sad_Angel

MicheH wrote: »

This got me through my bad times before bankruptcy.. Journey - Don't stop believin' http://www.youtube.com/watch?v=rfUYuIVbFg0&feature=related It's not really, really relevant to bankruptcy but it always makes me smile, want to sing, jump about about and still sends a chill up my spine

I shall take my turn to BUMP this thread for new folks to see over the weekend.

Miche....love that tune....LOL I remember it from the 80`s !!

Angiexx

fiveyearplan

A good morning bump - serving 2 purposes!

MicheH

debtinfo wrote: »

As the title says, welcome to this forum.

The new year often brings the realisation of financial troubles and is often a time when people come looking for help. As the stats bare out, this board often has a number of "lurkers" who are looking for information, but find it hard to commit themselves to making a post.

Therefore this is an open invitation for those struggling to press the button and ask for the help needed. Click here http://forums.moneysavingexpert.com/forumdisplay.html?f=136 and press the "New Thread" button on the left hand side.

If you do not feel that you can do this and dont want to post publicly then feel free to send me a private message and i will do what i can to help. Just click on my name and press the private message button

Debtinfo

A little bump

MicheH

Just keeping this 'up there'

debtinfo

Thank you...