Help!!

Starrunner

Just popped my head in again

Just incase you didnt notice on my first post.. I already have an IVA (as I heard you mention it Richard), which is actually one of the very few things being paid at the moment.

That was about £30k worth in unsecured.

Richard_S

Starrunner wrote: »

Just popped my head in again

Just incase you didnt notice on my first post.. I already have an IVA (as I heard you mention it Richard), which is actually one of the very few things being paid at the moment.

That was about £30k worth in unsecured.

Hi Starr,

I did notice, I was trying to think of anything, or prompt Emmzi, to suggest something other than bky.

We have had critics of this board who seem to think we encourage people to declare bky rather than face the hardship of repaying debt. This is not true as my opening comment is invariably "consult the Debt Charities" and if they advise bky we can help give you support and anecdotal advice from our own experiences.

With Emmzi having worked for a bank she's obviously got experience from the "other side". We were actually petitioned for bky by a creditor that we only owed £4k ish to; I couldn't believe they would be stupid enough to do it. "That's life" it saved us the fees and relieved us of £200k ish of debt that we were struggling to repay.

I spoke to CCCS on the phone and they were brilliant, but I'm sure they're all very good.

Richard

Emmzi

Richard_S wrote: »

I did notice, I was trying to think of anything, or prompt Emmzi, to suggest something other than bky.

Short of selling estranged OHs spare kidney etc and removing it by force to give to the buyer.. no. There would be more options if he wasn't abdicating responsibility

However I do believe this is exactly the kind of situation where bankruptcy is DESIGNED to help. Why should you suffer doubley because your spouse is running away/has abused the joint finances?

Also as an employer I would be sympathetic - this is not the same as 'I bought 3,000 designer handbags and then it all spiralled...'" or "I've always liked roulette..." They're the reasons that really wind up banks et al. Spousal bad behavior should be viewed more sympathetically.

Richard_S

Emmzi wrote: »

Short of selling estranged OHs spare kidney etc and removing it by force to give to the buyer.. no. There would be more options if he wasn't abdicating responsibility

However I do believe this is exactly the kind of situation where bankruptcy is DESIGNED to help. Why should you suffer doubley because your spouse is running away/has abused the joint finances?

Also as an employer I would be sympathetic - this is not the same as 'I bought 3,000 designer handbags and then it all spiralled...'" or "I've always liked roulette..." They're the reasons that really wind up banks et al. Spousal bad behavior should be viewed more sympathetically.

Emmzi,

I couldn't agree more. There is a world of difference between having a few thousand pounds worth of credit card debt with a reasonable disposable income and being so that mired in debt that it threatens to overwhelm you.

Richard

Itsahardlife

I never thought to take keys to our building society, wish I had though as witnessing two 'burly' men trying to break into my family home was very distressing and highly embarrasing.
After watching them wrenching the front door in my car I got out and calmly gave them a key to get in and introduced myself. There was still furniture in it that we hadnt managed to get out or had a place to put it so we discussed what would happen to it. I had to go through the estate agent to get permission at a later stage to go in and remove it.
In all it was a very stressful time and I wouldnt wish it on my worst enemy.
Good luck x