Disabled and considering bankrupsy

RAS

Jackie

Can you hit https://www.entitledto.com and check whether you are eligible for Council tax or housing benefits?

These might help you.

NekoZombie

Well done Rich, I knew someone would be able to understand my random witterings.

AlanD_3

fermi wrote: »

uther is correct. You should probably take some free professional advice from one or more of the bodies listed below. Your options are far wider than just bankruptcy, and there will be a way to sort this out so you can live within your means once again.
Taking professional advice will allow you to find the one that suits your circumstances best

You can contact.

* Citizens Advice - http://www.citizensadvice.org.uk/ making sure you request a debt advisor.

* Consumer Credit Counselling Service- http://www.cccs.co.uk/ - also operate a free Debt Management Plan (DMP) (never pay a company a fee for one of these)

* PayPlan - http://www.payplan.com/ - - also operate a free Debt Management Plan (DMP)

* NationalDebtLine - http://www.nationaldebtline.co.uk/

* Insolvency Helpline - http://www.insolvencyhelpline.co.uk/ - a lot of info on alternatives to bankruptcy.

Hope things work out...

Good post.

I'd just like to add a couple of things. I don't think Broken Hearted was trying to cause any problems far from it I belive he/she simply wanted to help by pointing out that there may be a solution. That said £800 seems quite a small amount to live on to me especially as we don't know all the details.

I'd also like to say that while £3000 may seem like quite a small debt to some of us on here I am sure that for JackieB it is seeming like all the money in the world and that the walls are closing in because of it. To be considering bankcruptcy is another sign that things feel really desperate.

Do not give up Jackie the links listed above will be very helpful for you and I do believe that they will be able to sort out your debt for you. I really do not think that bankcruptcy would be the best option for you and I suspect the judge would question your decision too from what I have read.

There is a way out and it isn't the final solution (so rejoice!!). Contact the folks listed, Jackie, and please let us know how you get on.

Alan

Richard_S

NekoZombie wrote: »

Well done Rich, I knew someone would be able to understand my random witterings.

Hi Neko,

I found it and posted the details on a thread.

JackieB

Have a look at the thread re "Administration Orders" Without knowing all your details it would seem to be a more viable option than Bankruptcy. Having said that, I'm sure the Debt Charities will advise on what they think is best for you.

Richard

Bakeybadoo

My debt is under £5000 and I'm on disability and that seems like a huge, unmanagable amount to me, and my husband works full time, so I can see how in your situation, you are considering BR.

You've had some good advice here, please do get in touch with a debt counselling service, check you are not missing out on benefit you are entitled to (I'm in private and as I already said, with a husband who works full time and I'm disabled) and even I was entitled to so much in Council Tax help but decided not to take it as we were/are managing and lastly, keep talking to us.

On a last note, in future, if you need household things, there are several DWP (Social Security) assistance payments you would be able to claim. Not least a Crisis Loan (everyone, on benefits or not can claim on this), a Budgeting Loan or a Community Care Grant.

Also, you should be entitled to prescription exemption under low income.

Broken_hearted

misspoppy wrote: »

£800 is not a lot of money for one person who has a progressive disability, you have no idea how much money it costs to keep well. This isn't a helpful comment when the OP is clearly distressed.

JackieB: I don't have any further practical advice as you've been given some good advice but have you heard of freecycle? Have a look on https://www.freecycle.org to find out if there is a local one to you. People post up items they no longer want and you can have it for free. It is usual to collect it but if you explained your situation I'm sure people would help with heavy items.

Good luck but try not to worry, you need to concentrate on keep well for as long as possible.

I have a disabled partner and two children and we don't get much over that. I know very well how much it costs to keep well. £800 is a lot for one person and they don't need to go bankrupt.
Also we have a lot more debt yes it's frightening but it can be done. I also agree that a SOA is needed to see where cutbacks can be made.

Richard_S

Broken_hearted wrote: »

I have a disabled partner and two children and we don't get much over that. I know very well how much it costs to keep well You know how much it costs to keep you well. £800 is a lot for one person That's a judgement, you don't know the O.P's full circumstances and they don't need to go bankrupt.
Also we have a lot more debt yes it's frightening but it can be done What you mean is that you can do it, it doesn't mean others can. I also agree that a SOA is needed to see where cutbacks can be made.

B.H,

I agree that bankruptcy is probably not the best route for the O.P and the Debt Charities will be able to professionally advise her of what route is best for her to take. However, you can't and shouldn't judge somebody else's circumstances based on your own.

Richard

Broken_hearted

Maybe richard. I know how much it costs for carers, extra heating, adaptations, medication and a load of others things the average person wouldn't need to even consider.

Miss_Scarlett

But with respect Broken Hearted, you don't know how much extra it costs the OP for the things SHE needs for her disability. I do think her debt could be handled in another way, but, maybe she feels that the stress of the debt and managing it is more than she can cope with. Sometimes these things aren't all about numbers. Maybe it's one burdon too many on top of what she has to cope with, with her progressive disability.

Richard_S

Broken_hearted wrote: »

Maybe richard. I know how much it costs for carers, extra heating, adaptations, medication and a load of others things the average person wouldn't need to even consider.

Hi B.H,

Based on the following assumptions, where is there room for anything to be cut? There's nothing in this summary for medication or carers either.

What if the O.P has children or grandchildren? Or pets for company? I just don't think it's ever possible to assume that just because you can achieve something then so can everyone else. It's commendable to suggest ways a person can save money without diminishing their quality of life but to automatically assume that somebody is overspending is an assumption too far.

Richard


Income
Benefits 800

Expenditure
Rent 395 Actual
Council Tax 63 Actual
Water Rates 40 Estimate
Electricity 50 Estimate
Gas 50 Estimate
Food 50 Estimate
Household 20 Estimate
Petrol 50 Estimate
Insurance 15 Estimate
Phone 20 Estimate
Clothes 20 Estimate
One Offs 30

Total 803

Surplus / (Deficit) -3