Cant keep hiding from debt.

chimpy007

Hello all,

I am having to come to terms with the debt that has been hanging over me for 10 years. I have been self employed for 15 years and hated the job i do. To try and make work better i have tried all sorts of things to feel like there was a life for me which invariably involved money ie property abroad. I borrowed on the house i had and used cards etc etc.
Having always suffered from stress i did not realise how much the debt (£60k) was burdoning me. I was making the minimum payment with the help of a free company (CCCC) until finally i broke and now dont work and am having therapy for mental health issues. My psychiatrist says i probably wont be able to work for 2 years and my problems were alot worse than i ever thought. I cant ever go back to the work i was doing as it made me feel anxious and totally incapable.
I am completely lost as to what to do and how to move forward with my life. I get £67.50 a week and am getting further behind in rent every week.
This is supposed to feel good getting this out there but i feel stupid and an idiot for being so deluded.:(

rising_from_the_ashes

Have you spoken to CCCS again as if they've arrange a repayment plan already, they should be able to advise the best way forward.

chimpy007

Thanks for your response.
To be honest im so scared of making contact with them regarding it as i feel like i failed them by not continuing with the plan they set me.
Would that be the best thing or speak to CAB.

rising_from_the_ashes

Chimpey, please don't be scared to phone them - they are great, willing to help and understand that people's circumstances change.

I'd phone them first as you've already dealt with them, rather than trying CAB.

chimpy007

Thanks, will get on the case.
Thanks for your input:o