PLEASE HELP......I can't do this anymore

sizzler

Thanks bat:)

1inamillyon

Thank you Bat....you're answers have made me feel a little better already.

I only joined here this morning but it kind of feels like a little world I can come into where everything is ok and I can just be honest and people understand. I have felt on my own for so long.

I am sure I will be back with more questions soon! x

mum2one

Think everything has been said, but just wanted to pop by and say hi, and what a strong person you are, thou at the moment you may not think so, you took a massive step walking out of controlling partner, and putting you and your children 1st.

Your get there in the end, you made the 1st big step by letting it all out, and your get help and support from people on here xx

blind-as-a-bat_2

1inamillyon wrote: »

Thank you Bat....you're answers have made me feel a little better already.

I only joined here this morning but it kind of feels like a little world I can come into where everything is ok and I can just be honest and people understand. I have felt on my own for so long.

I am sure I will be back with more questions soon! x

It is, and why it is here, please check out the PM i sent you, if i got it right it may help at the point you are now, its a work in progress, but feel the little that is there may help you right now.

And please feel free to ask as many questions as you like

sizzler

if you stuck for answers try here:)

http://www.bankruptcyandlivingwithit.co.uk/balwifrm/index.php?sid=c66af7891613b7a750e3a8ebc18b4be3

GettingHopeful

We are all with you 1inamillyon, you will sort this out. You've sorted out an abusive partner, you're looking out for your children after that first husband walked out, you've got a promotion at work, you've shown yourself you can live on your income. BR will release you, honestly. It's a new start.

I do not see what else you can have done. All that responsibility, something had to give. I just had the one daughter to look after and my debts amounted to £120k + and the OR listened to my story and when I asked him if there would be any problems with regard to the bankruptcy - I too was thinking I would go to prison or something like that - he said no. I am now discharged, he was right, and there were no real problems, just a few minor wrinkles, like sorting out council tax and electricity on my repossessed property.

The OR office said straight away they were there to help.

I agree with Bat's advises, just wanted to add my support,and love. You have come through so much and BR will be fine xxx

Sunnylooloo

You have been so brave in acutally writing it all down. Bat you give great advice.

I am a relative newbie myself and still very up and down as to what to do but by being here you realise you are not alone, each story is different but with the same undertones. Just take a deep breath and remember you are on the path to sorting this out.

Have a virtural hug and a nice cuppa and don't forget you know where we are so please don't feel alone.

xx

So_Sad_Angel

1inamillyon wrote: »

Thank you Bat....you're answers have made me feel a little better already.

I only joined here this morning but it kind of feels like a little world I can come into where everything is ok and I can just be honest and people understand. I have felt on my own for so long.

I am sure I will be back with more questions soon! x

Hi Hun...sending you lots of <<<hugs>>> sounds like you need them right now....heres a dodgy one too :grouphug: (...oooh go on then ...you can be in the middle )

Sometimes we get to a point where we absolutely just need to get stuff sorted once & for all. As you say BR has been recommended by CCCS & although its a tough step it will allow you to look forward & make a life for yourself & those lovely children of yours as well as putting the last 10 years behind you. .

Get in touch with CAB /CCCS again to help with the financial side. Also speak to local Welfare Rights for support on the housing benefit issue...they can help with appeals & also other benefits as your pay is reducing. Also have you considered Local Authority Housing & Housing Associations like The Guinness Trust....more for affordable, secure tenancies & I think you should get good priority with those organisations.

Loads of help here & nothing we hav`nt heard before....debt makes us feel lonely but once you have the courage to reach out you will find so much confidence & relief.

I`ll stop waffling now...hope you are feeing better today Sweetie.

Angiexx

pingu2209

1inamillyon wrote: »

I don't even know what to write on here, I'm in such a mess. I have ended up off work with depression and I am feeling worse by the day. I have so much debt, I know my only opton is bankruptcy but I am so scared.

I am a single mum with 3 children, I have so many questions, I don't know what to ask 1st. I havent paid anything for 10 months, am I going to get in trouble for this? I have also just been told I have been overpaid my Housing Benefit for 7 months and now I owe them £1400.

All my debt has been on clothes, things for the kids, food shopping, car and just general day to day things. I was living beyond my means and i'm so ashamed.

I just want to curl up and go to sleep and never wake up........please someone tell me what to do to get out of this mess. I'm just so so scared of it all.

I'm sorry if I sound like a dramatic idiot but its just too much for me to cope with now, I feel so alone in this and I can't tell my family as they will be disgusted in me.

You are not alone. You are not the only person who has done this. Thousands of people have lived beyond their means. You are not a bad person. You are not a criminal.

Keep saying these things to yourself - out loud if it helps.

Face up to your debt. Seek advice. The sun will rise tomorrow and your children will love you and smile whether you have 1p or £20.

IF

Hello 1inamillyon, I couldn't sleep and in the early hours of this morning I read your thread several times. And through your words and everyone else's, I realised how important it is to put down how you feel and I went away and did just that. And I want to thankyou, you have helped me more than you will ever know.

Ifwishes...x