Not it sure of best option

Clarek

Hi, I have various debts of around 16k which many are from years ago (12 years)t I accumulated when my husband left and my business failed.
I am now re married and my husband has a good salary but these debts are nothing to do with him. I work part time and have kids. What is the best way of sorting these debts out without my husband been affected. I don' t pay any bills and my income just goes on my debt, food and the kids. I only have around 800 a month coming in and can't pay the debts. I used to have a payment plan with payplan but stopped doing it when my business failed and I lost income.
I just can't seem to see a way out and there are coming out of the woodwork each day. I have no assets at all.

Any suggestions. I did think about asking for CCA for the.loans but I need a more solid solution. Will a dro take.my husbands salary into consideration?

Thanks

sourcrates

When did you last pay these accounts, could they be statute barred ?

Clarek

Unfortunately not. I was paying them to 2016 then my business failed and went into liquidation leaving me with no income for a while.

sourcrates

You really need to pop over to the debt free wannabe board, post a statement of affairs, the link to which is in the sticky thread at the top half of the DFW forum.


There is certain information we need to see before we can then advise on your best course of action.