Need advice please....

el_sumo

Hi , i am new on here so please bear with me:rolleyes:

Does anyone have any advice on getting a help to clear all my debts . I have tried various " debt clearing " types and got knowhere , because i haven"t got what they class as big enough debts !

I don"t have that many , its just as the only earner in the house , my wages are getting thinner every week , and there doesns"t seem to be enough to go round . On top of that , i have managed to get 4 CCJ"s against me because of this and i just feel like i am stuck in a ( getting ) bigger and bigger hole .

All i want is to clear everything and start afresh.....

Oh , and i wasn"t on the electoral role either , which proberbly didn"t help but i am now.....

Any advice greatly received , thank you

clarab_3

Hi Sumo Welcome to the board - you're in the best place.

I'm no expert, but I expect someone will be along in a minute who is - and they'll want to see an SOA (see southern scousers stickied post at the top of the board) - basically an account of all your income and outgoings so they can make suggestions...

Hang in there - not many around later at night maybe!

skintas_2

how much do you owe

smokybabe

Welcome Sumo, Clarab is right, you wil need to post a list of your incomings and outgoings, including the apr's on your debts and loans. This way the good people on here will be able to give you the best advice.
Please remember that you are not alone now and you have come to the right place for help.

iceicebaby

Hiya sumo

Ditto what the others have said.

Not many people about now tho but if you get that SOA posted you will have loads of replies in the morning.

Everyone here is great and supportive so dont worry and well done for deciding to sort it out

el_sumo

Sorry , wheres the SOA ?

iceicebaby

http://forums.moneysavingexpert.com/showthread.html?t=107280

This gives you advice on how to post your SOA . give a shout out if u need anything else

angchris

hiya soa is the way forward, when you get a bit of spare time get it all your paperwork etc up together and get it all listed/posted. its sometimes makes quite scary reading (mine did ) but it will enable us to get to grips with your situation and have a better understanding of how we can help. another thing is to get your other half involved because he/she can make valuable contributions to saving money in the home by cooking from scratch etc. lets tackle this head on...best of luck angchris