Facing the sad reality....at last!

bomechina

Hi folks, I feel like an ostrich that has kept its head buried in the sand for too long now.
Today I am going to ring CCCS and start getting my debts sorted. I have found so much advice on these boards but kept putting off doing what I need to do.
I currently owe about £7,000 on various cards and loans but more frightening is the fact that I also owe the water board (recieved the CCJ paperwork yeterday).
I am in arrears with council tax to the tune of £1,100, and I am waiting for a letter from HMRC to tell me how much they overpaid me last year.
I know all of these are priority debts and need to be sorted out first but I don't know where to start.
Wish me luck please, I feel like I have nowhere to turn because all my friends and family have no idea I am in such a mess.
Thanks

beanielou

Just wanted to say well done on facing up to things.
Keep posting

Spirit_2

Well done on taking your head out of the sand.

If this really is your light bulb moment...then you are about to embark on what could be a lifechanging positive experience.

In the end it will have a smooth landing.....but may be a bit of a bumpy ride.

Post your SOA and others will be along to help.

Tixy

Hi

Before you ring CCCS have you completed a statement of affairs? this is useful as it will mean you have all the info to hand that they will need.

Regarding the CCJ from the water board - make sure you do not pass this to CCCS, you need to deal with the paperwork for this yourself (after you have spoken to CCCS).
If you agree you owe the money then you should complete the form to say so but ensure that you ask to pay in installments.

If you do the statement of affairs it might be worth posting on here to see what other advice people have for you. Because you have quite a few priority debts it might be that CCCS are unable to help much other than to give you template letters to offer your nonprioirty creditors token payments each month until the other debts are cleared. Depending on your circumstances and how long it is likely to take to pay back the priority debts you might want to consider whether a debt relief order would be a possibility for you.

Good luck with speaking to CCCS, if you need advice with the court forms some people on here will be able to help.

bomechina

Just an update...I have spoken to CCCS and they have advised me to offer token payments to all creditors (priority debts are already on arrangements or awaiting acceptance of payment arrangements).
Unfortunately after paring my budget down to the bone I have a grand total of £16 a month to offer token payments to 5 creditors.

I don't even think I could be offered a DMP at this rate.

I just feel so useless and stupid that I have let things get so bad.

mandyl

dont feel useless,i cant even offer anything and i have 23 creditors. hugs

downnotout

Another 12 creditors here! Stick at it and get your statement of affairs up on here *hugs*