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Hi to everyone

*stargazer*
*stargazer* Posts: 17 Forumite
in Debt-free wannabe
I joined the other day, and thought I would say hello.
I am on long term incapacity benefit as I had a breakdown through stress last year. I have a mountain of debts, and have been unable to deal with them.
I think finding this place could be the turning point for me, although I find all the boards a bit bewildering!
You all seem very helpful and this weekend I am going to post my SOA (hopefully !).I know I have got to start sorting things out and hopefully being able to come on here will give me that push( kick up the backside) I need.
I have about £ 20,000 + of debts:eek:
Thanks for reading this x
«13

Comments

  • yung
    yung Posts: 700 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Welcome to the forum once you posted your S.O.A you will get all the helps.
    Yung
    Early Retiree debt & stress free. and Joined the SKI club:j

  • *zippy*
    *zippy* Posts: 2,979 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi stargazer :hello:

    Welcome to mse
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Hi Stargazer,

    I hope you won't find this board too bewildering - we try to share information and advice that could be of help to others - so welcome.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • adypem
    adypem Posts: 256 Forumite
    Hiya Stargazer, there is no better forum than the DFW, and the posters have loads of info to share and help you along the way.
  • sueshells
    sueshells Posts: 71 Forumite
    Hi stargazer

    I was in a similar position to you - I have beeen unable to work through ill health for the last four and a half years (arthritic back plus panic attacks).

    Last week I took the decision, following professional advice, to apply for bankruptcy and became bankrupt last week. I can't tell you what a relief it is to be debt free - even if the method was rather drastic.

    I don't know your circumstances - I didn't have much to lose. In fact all the Official Receiver wants from me is my £25 of Premium Bonds! If your debts are unpayable and your prospects of working again are poor then I would recommend looking at bankruptcy but please take advice first. I went to the CCCS (Consumer Credit Counselling Service) and they were very friendly and helpful.

    Best of Luck - you are in the right place for help and support. If it wasn't for this site I wouldn't have managed to get myself sorted out and was in the real depths of despair. This site and the people on it are definitely the silver lining on the edge of that dark cloud!!

    Regards, Sue
  • *stargazer*
    *stargazer* Posts: 17 Forumite
    Thanks for your replies, :) I think I'm going to be on here a lot, I am glad I've found it, everyone seems very welcoming and helpful :)

    stargazer xx
  • *stargazer*
    *stargazer* Posts: 17 Forumite
    Thanks Sue, I will post my SOA and see what people think :eek:
    Thanks everyone for your help and welcomes
    *stargazer* xx
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Stargazer, welcome to mse. Look forward to seeing your soa.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • cattie1
    cattie1 Posts: 2,068 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    hi stargazer. welcome to mse hope you get lots of useful tips and help.cat.xxx
    official dfw nerd club member no 214
    Proud to be dealing with my debts!;)
    Why is a person that handles your money called a broker?!:confused:
  • bobble_hat
    bobble_hat Posts: 727 Forumite
    Part of the Furniture Combo Breaker
    Hi stargazer :hello: welcome and Good luck!
    "Tomorrow is always fresh, with no mistakes in it." (Montgomery, L.M.(1908). Anne of Green Gables.)
    Debt Free Nerd No. 186 Debt was £16,534.03 Now £9,588.50
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