Drowning in debt, I need urgent help

Kellyoreilly

I am 46yrs old today! I have a 10yr old daughter. My husband has been having numerous affairs, and we have now parted. I work approx 11 hours per week, on a Zero Hour contract, which is minimum wage. I am now on Universal Credit, I rent privately, which costs me an extra £130 per month.
I have built up debt of £10,000 over the 4yrs I was with my husband (only married for 2yrs) All the debts are in my name, and he has not contributed any money towards these debts since I asked him to leave in Sept 2018.
My debts are a mixture of Credit cards, Mobile contract, Over Draft, Cataloges, Over payment from DWP and Southen Water debt.. there could be others, I can’t not think off the top of my head.
Also, I am on a Debt Management Plan, which I have been paying £30 per month for as long as 5-6years. This is for approx £50,000, (£30,000 of this is from a repossession of my old house)..... I have been given all kinds of advice about what I could and should do, but I would really like some solid professional advice that could be right for my situation. Many thanks.:money:

[Deleted User]

Good luck on your journey x

enthusiasticsaver

I am guessing you are already looking for a more steady income by job hunting as that should be your first priority?

One of the terms of the DMP you took out would have been no taking on new debt so you have breached that contract. If you cannot meet the debt repayments you should write asking for breathing space so you can sort something out. There may be a way to add them to your DMP but you have to find a way of living without borrowing on credit. Hard I know when you are on a reduced income but you will be digging yourself into a bigger hole.

You can post an soa on here so we can give you more appropriate advice. The link is below.
http://www.stoozing.com/calculator/soa.php