Debt a-d-v-i-c-e- p-l-e-a-s-e !!!1

Tinkerbell_Lily

Hi to you all. My partner loves this site so I will put faith into her judgement

I have had a difficult bringing up involving getting into debt for a few thousand pounds catalouges, loans and more loans I estimate around 6000 . i know that it is not a massive amount but I am 27 now and really want to get this sorted

I have ordered my credit report to see exactly what is owed what are the next steps that I should take

i cannot get any credit, maybe a debt consolodation company-bankrupt

I really don't know, Can you please helpl me with this situation

Any help or advice will be greatly apppreciated

Daniel

moneysavingmonkey85

firstly well done for deciding you want to get out of debt, there are a few things to do so that people on here can give the best advice. Firstly you need to work out how much you owe, and what you are paying every month.

Best way is to fill out a SOA (statement of affairs). I'm sure someone will post the link for you, then someone more experienced than me can help!

As a start try to stay away from consolidation or paying for debt advice - search online for CCCS or Payplan or visit your local Citizens Advice for free help.

KPR11

Hi Daniel,

You might want to have a look at this as a starting point: http://forums.moneysavingexpert.com/....html?t=107280

Once you have done that you might want to post your SOA so that people can help you

Hope you get things sorted and good luck with the baby

KPR

char_student

Your options are:

DMP (debt management plan) or a DRO as I see it. Post your SOA and we can all help