Huntington's Disease now a court claim form!

lonestarfan

When you say he went into council accommodation do you mean he's gone into a care home and is looked after or do you mean he is a now council tentant and renting his house/flat from the council?
Has anyone looked into getting power of attorney for him - it's expensive but could help you although it must be done before he becomes so unwell that he can't give consent.

sleepless_saver

MSE guide on mental health and debt might be useful for you.

trollopscarletwoman

robert_harper_2000 wrote: »

I should have helped him go bankrupt but it is a horrible thing this and I just don't want to think about it. But I would hate it if anyone came to his door. I could look at organising bankruptcy?

To be honest going bankrupt would be down the bottom of the list of worries if I was in your brothers situation.

It might salve, to a degree, the more serious worry.

robert_harper_2000

It is so upsetting. I don't think need poe as his girlfriend does take care of all the budgets. He is in rented accomadation. Although the landlord has now said he wants them out before Xmas... Thanks!

asparagus1968

So sorry for you and your family having HD gene.Have you/he been in touch with the HD society? Or local HD specialist nurse? They can assist/advise in all sorts of things.
good luck.

McKneff

robert_harper_2000 wrote: »

It is so upsetting. I don't think need poe as his girlfriend does take care of all the budgets. He is in rented accomadation. Although the landlord has now said he wants them out before Xmas... Thanks!

you said earlier that he lived in council; accommodation, this doesn't marry up with the above post about the landlord wanting them out. Why does the landlord want them out.

bobm-a

The Gardener is correct. Very important that you contact debt management expert, Stepchange has a good reputation, When you phone with they will go through all your brothers financial situation and important to make then aware of extent of his disability, With his permission they will advice on his options and work out a plan,
Usually they will contact the credit card company and act on your behalf. A few years ago I had a serious debt situation which I ignored for a while, from my first phone call to the debt line I realised that there were options, Following their advice I managed to sort this out relatively quickly. National Debt Line or Citizens Advice Debt Iine are other options but you will need your brothers permission. Good luck with the HD also. Stepchange 0800 138 11 also very well reviewed 4.9 from multiple users - have a check if you need.
BOb


bob

fermi

So no assets or non benefit income?

Depending on other debt, a DRO or bankruptcy may be appropriate. Or perhaps and administraion order if a CCJ is obtained and less than £5k owed across several creditor.

Could also be worth pursuing a write off on health grounds. Can take a bit of convincing, but sometime creditors will agree to that when it's obvious nothing is to be gained from pursuing it.

As said, get advice from more than one free impartial source, so you have a range of opinion and advice.

robert_harper_2000

Thanks everyone. I contacted Step Change and they would very re-assuring helpful and considerate of the circumstances. I've managed a budget and listed all all income and outgoings and got a letter of authority so I can help do it for him. They made me breathe a huge sigh of relief!

(The property is landlord owned but his rent is paid by council - the landlord just wants the property back).

robert_harper_2000

So you think I should ask for advice from more than one company? He has no income other than benefits.

fermi wrote: »

So no assets or non benefit income?

Depending on other debt, a DRO or bankruptcy may be appropriate. Or perhaps and administraion order if a CCJ is obtained and less than £5k owed across several creditor.

Could also be worth pursuing a write off on health grounds. Can take a bit of convincing, but sometime creditors will agree to that when it's obvious nothing is to be gained from pursuing it.

As said, get advice from more than one free impartial source, so you have a range of opinion and advice.