debt advice

benland

Hi i really need some help i will be totally honest and see if there is any hope for me.

income 28,000

Mortgage 103000 house worth 100,000

1 credit card £3150
1 credit card £1450
1 credit card £9550
overdraft £9900

What do you think is the best way to arrange my debt as i cannot remortgage.

Numpty_Monkey

Hi Ben:hello:

The first thing you could do to help us help you:D
is do fill in an SOA use this

Sometimes its just a tweak in your budget or working out which order to pay debts in, can make a big difference:cool:

Don't worry, when you post your SOA we will spot areas where you can make savings and tell you how:A

Pott5y

benland,

Welcome to DWF and you really are in the right place for help to get this sorted.

We will really need some more info for the good people on here to really help.

Filling out an SOA is good place to start - one found here.

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

Also are you currently behind with your payments, are you struggling to meet minimum instalments etc.

You must always ensure the priority debts such as mortgage and Council tax are kept up to date. Credit cards and unsecured loans can be negotiated albeit it will upset your credit rating.

Anyway start by doing the SOA and go from there. You can be sure of some good advise from the nice people on this forum.