Frightened about my future

Nargleblast

Whatever you have to do to get out of debt, you have to do. Just make sure you look into the pros and cons of all options first - it took you a long time to get into the mess you are in, so a few more days spent considering things isn't going to hurt. Get on that phone to CCCS first thing tomorrow, making sure you have all your facts and figures handy - you will feel tons better just for talking to them, I promise you! And start mooching around other parts of this site, such as the Old style moneysaving forum for example - great for tips on living well on restricted incomes.

mrscmr

hi mouseann

we have something in common... check my sig...

one thing that kept us going was ebaying... now i suspect you might have some treasures that you no longer need/want... join our ebay challenge thread - we will support and cuddle you on there...

i have made thousands and thousands through ebay in a year... if you can post on this forum.. then u are more than capable of ebaying...
come and join us.... be strong and brave!
xxxx

mrscmr

sorry... me again

have you written to the cc companies about their interest and gone on some reduced payment plan? is this appropriate ? i dont know.

do you have family who can help you?

mouseann

Bless you for that, mrscmr

I am feeling quite low tonight - but will start looking for things to sell on Ebay.

I feel very suported by all these comments - just wish I hadn't taken such a long time to come to terms with things!

mrscmr

if you want hlep on ebay - pm me. happy to help put u on the right path! xx

join our thread - talk to us on there. http://forums.moneysavingexpert.com/showthread.html?t=2174721

mouseann

Thanks again mrscmr

My family aren't in a position to help me - and I have been keeping my situation quiet from them!

May have to confess if things go really badly, though.

mrscmr

its ok. be strong.. my friend and i refer to ourselfs as sturdy bird... cos we are tough in the face of adversity! u will be strong too.

bluebag

mouseann wrote: »

Thanks again mrscmr

My family aren't in a position to help me - and I have been keeping my situation quiet from them!

May have to confess if things go really badly, though.

Oh have I been there and done that? You know what? those that love you don't care, yeah they're a bit gobsmaked when you tell them but most families pull together in a crisis. My dad (god rest him) just shook his head, said bl**dy h*ll and how can I help ?!!

Don't let this get you down. The worst is behind you, you've done the hard bit and stared the realilty in the face. Forward from here, no looking back. You're doing grand.
bb

3Dogs

Hi Ann - just a message of support really

As others have said you have made the hardest step and that is the first one :T :T :T well done

I know what you mean about telling family - you feel ashamed and that you have let them down - after their initial shock they will probably ask why didn't you tell them sooner !!!

One thing I will say is that now you have faced up to it and put everything down on paper, this will help loads when you ring CCCS in the morning - if you have all the information to hand they mostly put you straight through to a debt coucellor if they can - that way you will find out all your options as soon as possible

Good luck and chin up Pet - everyone here is routing for you now :T :T :T :T :T

3Dogs

Eager to find out how you got on with CCCS ...................