Help to get back on track please?

johnskyb

Hi guys

I've got no excuses. When I was younger I was awful with money and defaulted on many accounts. I buried by head in the sand to be quite honest and simply avoided the situation.

Well now I'm a little older and wiser and I recently decided to take a step towards rectifying the situation. I did an Experian credit report which informed me for the first time that I was given a CCJ 11 months ago. I had no idea bout this so I don't even know what it means or what to do with it but of course I want to take steps to avoid bailiffs at the door?

I have in total probably about £10k of defaulted debt and the one CCJ for £365. What would be the best steps to take to try and salvage some sort of future financially?

Little bit about my situation. I'm currently a year 3 student working as many hours as I can around my degree. I just about get by financially but I can't afford to be making big payments right now. I've tried doing some online research but it's such a minefield and I've no idea which route would be best for me to try and get things sorted. Can anybody offer some advice please? Obviously the CCJ is the first priority if there is the possibility of direct action but I don't even know what my options are there or how to go about dealing with it.

Any advice from people here in the know would be greatly appreciated. Feel free to judge me for getting in this state but I was a troubled young person at the time and I've turned my life around and just feel like I have demons of the past on my shoulder due to this issue.

Thanks

Arleen

We are here to help, and you are already ahead as you've decided to face your problems - well done!

Best to head over to debt free wannabe http://forums.moneysavingexpert.com/forumdisplay.php?f=76 and post a soa: http://www.stoozing.com/calculator/soa.php this way folk there will be able to help you best.