cant evn pay bills or barely eat now what?

sparkely88

so hey everyone im new just found this site so im hoping it helps. i think knowing that there are alot more people in my position might help.. that is if anyone is in my position hahaha.
anyways so im a stay at home mom my husband works his butt off full time we have been struggling with money for 2 years and half years now not to to bad but still its got so bad. i have tried to work full time but i cant afford daycare im still looking for part time work but no one wants to hire me because i have no expeirence so its a loose loose situation. basicly we let are debts go so far with out paying them that now we have 7 collection agencies on us 1 agency is going to be taking my husband to court to garnigh wages. right now we are living pay cheque to pay cheque barely eating. so we havnt been able to pay any debts because are utilities are to much money so im wondering does my situation sound like we need banckrupcy? he cant pay anything because of are bills and are food plus gas is $300 a month rent isnt to bad. we dont know what to do anymore. im worried about ym husband to he has always been a very very tought man he could handle any problem at any point in time. but in the last 3 weeks i have watched him go down hill. the man hasnt had a vacation in 4 years he doesnt eat good at all eats about once a day and the money stress is killing him. he works 9 10 hour days 5 days a week hes starting to show signs of shutting dow. anyone had that before??? what will happen to him if something doesnt change? anyways im blabbering on i need some advice before we both end up in a hospital. thanks to everyone!!!

LandyAndy

Well, you need to fill in a SOA so we (and you) can understand where you are financially.

https://forums.moneysavingexpert.com/discussion/107280

Are you in the UK? Your post doesn't sound as if you are.

Do you mean 'garnishee order' in your post? they haven't been called that here for a long time (third party debt order now I think).

BigCraigJohn

Hi, will reply more out of courtesy as I have a feeling you are based in the USA and this is a UK based site, so some of the info will not apply, although i'm sure you will get some helpful info if you check back later.

LandyAndy

BigCraigJohn wrote: »

Hi, will reply more out of courtesy as I have a feeling you are based in the USA and this is a UK based site, so some of the info will not apply, although i'm sure you will get some helpful info if you check back later.

My feeling too. Still, money's money so we might be able to offer some help but the legal nicities will be different.

3Dogs

It appears that you may be posting from abroad in which case our advice will be of little use but if you are in UK the following may help:

I am glad you have found this site as there are lots of people on here who will offer you support and advice. I can assure you that there are others in your situation and others who have been there and come through it all

Given what you have said, you really need to get in touch with the debt charities for advice - they offer free advice and can help you manage your debts in many ways including Dept Management Plans (DMP), Debt Relief Orders (DRO), Bankruptcy, etc

CCCS - freephone tel 0800 138 1111 - Mon - Fri 8 am to 8 pm www.cccs.co.uk
They also have an online debt remedy facility where you enter all your details and they come up with suggestions - you would not have to talk to anyone at this stage - https://debtremedy.cccs.co.uk or click on the link on their main site

National Debline - 0808 808 4000 - Mon - Fir 9 am to 9 pm, and Sat 9.3 am to 1 pm www.nationaldebtline.co.uk

Citizens Advce Bureau (CAB) check for local office

PayPlan - sorry I do not have details of this one

If you can manage to get your financial details together you should do a Statement of Affairs (SOA) and post it on this thread so that people can advise knowing the full situation. You can do your SOA at http://www.makesenseofcards.com/soacalc.html

Has your husband beento see his doctor - he really should before it goes too far - you should both be getting yourselves and your finances sorted out for your little one - you both need to be there for him/her

Whatever you do decide to do, please keep posting on this thread and you will get loads of advice and support. It has been really quiet on here today (everyone enjoying the weather I think) but others will be along to help you soon

Lots of Hugs
3Dogs

DarkConvict

As Above it does sound like your from the USA.

If your husband is suffering due to money problems, is bankruptcy and option for them. Make a fresh start?