new to site - do i go for bankruptcy??

karenc8583

Hi,
Not sure where to start, I recently separated from my husband.(May)
Since then i have juggled through the last 2 months but now am getting seriously worried about my finances.

I have 3 kids and work part time, earning around £15000 a year.

I went on CCCS site and done their debt checker thing and they recommended that i go bankrupt

I really don't know what to do, I am currently cancelling everything that i can but i am stuck in contracts with bt for phone and broadband that cant be changed till March, My mobile is contracted till 2012, I've cancelled sky but that wont stop till next month - aaaargh!!

I am managing (just) to pay rent etc but i have a loan for 15000 and a credit card with balance of £800 on

Any advice anyone could possibly offer would be incredibly gratefully received.

DGJsaver

Post up a SOA to see if anyone here can give you tips on what to cut back on , and as a NRP myself , dare i ask , are you getting maintenance from the Dad ?

karenc8583

? Sorry - what is a SOA?

No Im not getting any maintenance from their dad :S

DGJsaver

karenc8583 wrote: »

? Sorry - what is a SOA?

No Im not getting any maintenance from their dad :S

http://www.makesenseofcards.com/soacalc.html


Try that , i think you will have to cut and paste , because as a new user you cant post links

On the maintenance , if he WONT pay then CSA his backside.....and like i say , i say that as a NRP

Sunnylooloo

http://www.makesenseofcards.co.uk/soacalc.html

here is the linke it is your Statement of Affairs

as well as talking to CCCS you can also try

http://www.citizensadvice.org.uk/index/getadvice.htm
http://www.nationaldebtline.co.uk/


LL