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debt problems

kel33
kel33 Posts: 2 Newbie
in Debt-free wannabe
hi i have a few debts which i would like to get sorted but the problem is its not enough for a debt mangement programme but has i havent made any payments towards then for a while i have a bad credit history and cant get a loan of anybody what shall i do?

Comments

  • jeff87
    jeff87 Posts: 11 Forumite
    How do you have debts with and how much are they?
  • Tixy
    Tixy Posts: 31,455 Forumite
    Hi and welcome

    What are your debts? are they priority debts (like rent, mortgage, utilities) or unsecured debts (credit cards, loans etc).

    How long since you last paid towards them?

    What is the current status? are you being chased by the creditors/debt collectors by letter?

    Have you spoken to any of the debt advice charities?

    Are you earning? how much could you afford towards your debts a month?
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • kel33
    kel33 Posts: 2 Newbie
    my debts are loans 'short tearm loans
    had afew letters but they are all dated late last year n do get phone calls now n again

    i am earning but only working part time so at the end of the month i could pust 2 mayb pay between 50-70 pounds
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