Just don't know what to do.

Panicking_2

Hello.

I am desperate for some advice as I can't see a way out of my current situation.

I owe £20,000 to credit cards. My monthly outgoings are around £1,250 with mortgage, bills, and minimum payments.

I now have no income as I am expecting a baby in September and my work has now ended permanently.

I have no way to pay anything from next month (1st July).

My husband's wage just covers his half of the outgoings so he cannot help towards any of my payments.

I think I will be eligible for maternity allowance from end of July, which is £128 per week, not nearly enough to cover my outgoings.

I don't know what to do, I really need advice

RAS

Can you claim JSA for July?

Go to www.turn2us.org.uk to find out whether you or OH can claim any other support.

You will need to run 3 scenarios

July before eligibility for materinty allowance
Maternity allowance period to birth
Period after birth

Make sure that you have all the forms ready to post when the baby is born, so you do not get extra costs before you get extra benefits.

And speak to one of the debt charities about your situation urgently http://www.moneysavingexpert.com/loans/debt-help-plan#help.

They will however all need you to provide your financial situation (for the household not just your income).