In A Mess

mandmschallenge

Hi,

I am new to posting although been lurking for some time. We are in a serious amount of debt and have ccj's and a court order. Is it still possible to have a dmp or an iva with these?
Any help greatly appreciated.:eek:

gfplux

Hello,
Well done for taking a small step to sort your problems.
You now have to do a little work.
[FONT=Arial, sans-serif]Debt normally comes by spending MORE than you EARN. That is you are living a lifestyle you can not afford. We all know that, but sometimes we can not see the wood for the trees. If you want to get out of debt you have to change that habit today.[/FONT]
[FONT=Arial, sans-serif]Make out your SOA and post it here. (link - http://www.makesenseofcards.com/soacalc.html ) This will automatically total the numbers. It can be saved (click on the help) and you can change it every day if you want. [/FONT]
[FONT=Arial, sans-serif]Also read this great post by southernscouser http://forums.moneysavingexpert.com/showthread.html?t=107280[/FONT]
[FONT=Arial, sans-serif]When making out your SOA (Statement Of Affairs) try not to guess at the figures, dig out the paperwork! However remember a partial completed one as a first step is better than none. [/FONT]
[FONT=Arial, sans-serif]It is in fact one of the most IMPORTANT things you will ever do to start on the road to recovery. [/FONT]
[FONT=Arial, sans-serif]If you want a lot of help on this forum, posting your SOA is the first and most important step. After it is done it is very easy to keep it up to date. [/FONT]
[FONT=Arial, sans-serif]In my opinion everyone should have an up to date SOA even if you have little or no debt. It is a great tool to manage your life with.[/FONT]
[FONT=Arial, sans-serif]If you post it on the forum answer the obvious questions before they are asked so you get immediate feedback, such as (not all will apply to you:-[/FONT]
[FONT=Arial, sans-serif]If there is “other” Income explain what it is[/FONT]
[FONT=Arial, sans-serif]Mortgage – interest only or not.[/FONT]
[FONT=Arial, sans-serif]What is the age of any children.[/FONT]
[FONT=Arial, sans-serif]Council tax is it over 10 or 12 months.[/FONT]
[FONT=Arial, sans-serif]Electricity and gas any arrears.[/FONT]
[FONT=Arial, sans-serif]Water rates meter yes or no.[/FONT]
[FONT=Arial, sans-serif]Grocery's does this include gambling, booze and cigarettes.[/FONT]
[FONT=Arial, sans-serif]Mobiles, how many and when are the contracts up for renewal.[/FONT]
[FONT=Arial, sans-serif]If no contents insurance is it include with buildings insurance.[/FONT]
[FONT=Arial, sans-serif]If pets cost money, what are they.[/FONT]
[FONT=Arial, sans-serif]House or flat value, has it been valued by an Estate Agent and when.[/FONT]
[FONT=Arial, sans-serif]The more that can explain about the financial figures and circumstances the quicker the post will get advise rather than lots of questions.[/FONT]
[FONT=Arial, sans-serif]When you have posted it and it does not look right or you want to change it, do so and repost it.[/FONT]