Help and advice please

lozzie103

Hello
I'm new here and going to read through all the information! But I was hoping someone could point me in the right direction too.

Due to my stupidity (and a lying cheating soon to be ex!) I have debts of at least £20k. I've been doing the ostrich thing but know I now need to get things sorted, probably by bankruptcy I would imagine.

Can someone recommend an advisor etc that they think I should go to?

I now live in Scotland but the debts were accrued in England, not sure if this makes a difference. I am unemployed just now but frantically looking for work.

Any help, advice, recommendations gratefully received, I'm desperate, depressed and heartbroken!

Thank you

IF

Hi lozzie103 and Welcome to the Bankruptcy (BR) Board. First step is to make a list of all your creditors, debts and assets. Secondly and most important is contact one of the following debt charities. Please try these they don't charge and are impartial. They will go through all your options with you and if they suggest bankruptcy then come back to this board and we will help you all we can. Also if your not ‘clicking’ with one of the Debt charities do try another. We advise you to try at least two for your own piece of mind. Your BR could be refused if you have not sought advice.

* Blue text on this forum usually signifies hyperlinks, click on the blue links below *


Advice on bankruptcy.

• Consumer Credit Counselling Service (Scotland) - Website: CCCS Telephone: 0800 138 3328
• National Debtline (Scotland) - Website: National Debtline Telephone: 0808 808 4000
• Citizens Advice Scotland- Website: CAS

Others:

• Business Debtline Scotland - Website: Business Debtline Telephone: 0800 197 6026
• Christians Against Poverty
• PayPlan
• TaxAid - Help with tax debts.

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Accountant in Bankruptcy (equivalent of the English Insolvency Service).

Main website: www.aib.gov.uk

For general queries about insolvency (but not debt advice) you can contact: General helpline - Tel: 0845 762 6171 - Email: [EMAIL="Helpline@aib.gsi.gov.uk"]Helpline@aib.gsi.gov.uk[/EMAIL]

Bankruptcy

Low Income Low Assets.

Debt Arrangement Scheme

Trust Deeds

Bankruptcy after 1 April 2008

• DAIP - Debt Advice and Information Pack
• Debtor's Guide
• Creditor's Guide
• Bankruptcy Restriction Guide
• Trust Deeds Guide

Bankruptcy before 1 April 2008 (follow for links)


Please don’t do anything rash take your time and weigh up your options and read everything you can.

BR friendly home insurance thread.

BR Friendly bank accounts sticky.

BR Abbreviations

If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

What to do if you get an insensitive or hurtful comment.

Thread by DoshDolt you may find helpful:-

https://forums.moneysavingexpert.com/discussion/2560009

Doshdolt has done several more threads to find them click on link below and go to Statistics and Find all threads started by DoshDolt:-

http://forums.moneysavingexpert.com/member.php?u=1075187

Reminder

coolcait wrote: »

Most of doshdolt's great information on going bankrupt in Scotland is still absolutely valid.

But a few changes were made on 15 November 2010 so, folks, please check the Accountant in Bankruptcy website carefully, to make sure you've got all the up-to-date info - and the correct form!

Best wishes
If...x