Need Some Help

cornflake_2

Hi there a newbie here and got myself in some real trouble.

I have a few debts ( none of which are being paid at the moment), it all started last winter when I suddenly became very ill, it turned out to be seasonal depression, anyway letters went unopened,phone calls were not taken, I had a job to stay awake or even get out of the chair.

Anyway I now have to face all the bills I tried the CCCS and the booklet said I cant afford to pay any money out !!!!! I have a small income of about £500 per month ( not much you might say but twice the amount of sick pay I was getting).

I have now had a letter from a credit agency saying I have to go to my local court to present my Bankruptcy Petition or they will do it.

I need some help as I just dont know what to do next.

Sorry if this goes on a bit.:o

Cornflake

Richard_S

cornflake wrote: »

Hi there a newbie here and got myself in some real trouble.

I have a few debts ( none of which are being paid at the moment), it all started last winter when I suddenly became very ill, it turned out to be seasonal depression, anyway letters went unopened,phone calls were not taken, I had a job to stay awake or even get out of the chair.

Anyway I now have to face all the bills I tried the CCCS and the booklet said I cant afford to pay any money out !!!!! I have a small income of about £500 per month ( not much you might say but twice the amount of sick pay I was getting).

I have now had a letter from a credit agency saying I have to go to my local court to present my Bankruptcy Petition or they will do it. If one of the debt charities advise bankruptcy then a creditor saying that they will do it for you will be doing you a huge favour; it'll save you the fees. Realistically, that's just a lot of bluster and you should ignore it.

I need some help as I just dont know what to do next.

Sorry if this goes on a bit.:o

Cornflake

Hi Cornflake,

Your first port of call should be to contact one of the Debt Charities; see links below. Their services are free; they have no vested interest to serve; their advisors are professionally trained and the advice they give will be objective and in your best interests only. CCCS operate a system of telephone appointments that are designed to be flexible and don’t require you to attend an office based interview. At the CAB you will need to make an appointment with a specialist Financial Advisor; other advisors may not have the specialist knowledge you’ll need.

http://www.cccs.co.uk/

http://www.nationaldebtline.co.uk/

http://www.citizensadvice.org.uk/index.htm

If you’re advised that bankruptcy is the most suitable solution to your financial problems then we can offer the best support and anecdotal advice that you’ll find anywhere on the Web.

For more specific advice and support, in an environment that is managed by people with first hand experience of bankruptcy, and moderated to ensure that no deliberately inflammatory or abusive posts are made then please visit:

http://bankruptcysupportersclub.co.uk/default.aspx

Just remember, as desperate as you may feel at the moment, we have all experienced what you are going through at the moment and with the right support and advice things will improve. It’s not an easy route to take but it is a route that will put you back in control of your life rather than just reacting to events.

Any more information on the level of your debts would be helpful; the more information you give the more meaningful the responses will be.

Regards

Richard