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Need to get a grip of our debt
Newchange
Posts: 1 Newbie
Hi. , this is my first post here
My partner and I have a combined debt of 75k on credit cards .
It is a highly stressful situation we are facing. I am self employed so my income is variable and I never know when the next pay check is coming in, I am actively looking for full time work now though to steady this. My OH works full time and has a good salary of around 55k. I have missed a lot of payments which has brought my credit score to the bottom so I am now worried about future affects on our mortgage and moving house in the future.
Need some help on how to get out of this mess !
:mad:
My partner and I have a combined debt of 75k on credit cards .
It is a highly stressful situation we are facing. I am self employed so my income is variable and I never know when the next pay check is coming in, I am actively looking for full time work now though to steady this. My OH works full time and has a good salary of around 55k. I have missed a lot of payments which has brought my credit score to the bottom so I am now worried about future affects on our mortgage and moving house in the future.
Need some help on how to get out of this mess !
:mad:
0
Comments
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Hi,
Statement of affairs is the first step, available here :
http://www.stoozing.com/calculator/soa.phpI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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