Can't pay creditors~what to expect.

thepup

Hello,

In a position where I am unable to pay my creditors anything.
I understand that I need to write to them explaining the situation.

Assuming this situation persists in the longer term what can I expect to happen?

As I have just had to sell stuff to ensure we can pay the rent this month I think I would be declined if I applied for a DRO.....and obviously I do not have the funds to file for bankruptcy.

We are applying for HB and JSA (though I think my JSA may be declined as I resigned my post).

Hopefully we'll be granted HB/CTB which would help ensure we can make the rent each month.

So, in a nutshell.......beyond the stream of letters and phone calls what should I expect from the creditors?

Doing all I can to avoid this scenario but not hopeful......right now my priority is keeping a roof over our heads.

Hope this post makes sense, think I am quietly having a nervous breakdown.

CH27

Contact the CCCS.

thepup

Yes, I have spoken to them.
They reminded me about priority debts and advised writing to creditors.

What I want to know is what sort of actions should I expect from creditors in the longer term?

EG. Somehow I could not see them accepting nil/token payments for very long.

Hoping our position improves but hope alone won't pay the bills.

Need to mentally prepare myself.

McKneff

Why on earth did you resign from your job:eek:

thepup

I would rather not discuss that. (I got the impression I was headed for the sack and figured resignation would look better on cv).
Yes it was a mistake and I have since pleaded for it back to no avail.

Now I need to try to deal with the consequences.

thepup

Anyone got any advice as to what to expect?

Aside from the endless letters/calls what is the worst that would be likely to happen in the longer term?

Also, a general query.

If one passes away would that be an end to all unsecured debts?
They cannot become another family members problem?

Sorry for the depressing tone of the question.