I need help and quick

edited 7 November 2019 at 2:57PM in Debt-free Wannabe Challenges
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NiteinshiningNiteinshining Forumite
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edited 7 November 2019 at 2:57PM in Debt-free Wannabe Challenges
I have an interest only mortgage that i have not been able to pay for the last few months as I'm broke i have not paid council tax for a year due to debt problems plus must owe HMRC £15k as I've not submitted a tax return for a few years. A loan from about five years ago with Nat West has been passed on to a company called Zinc solutions. My credit score is fair which is about 770 even my bank first direct cannot lend me money. I am a photographer who went into business with someone for a year 2018/2019 that proved fatal. My Mortgage lender Nram expect my arrears to be paid by mid November otherwise i will receive adverse credit on my file. I work for a photo agency based in Miami and have $3000 owed but it cannot be paid until January. I even tried equity release but my mortgage is too high even though i have over £300k in equity. I am at my wits end as i cannot find a way out? Is my only option selling the property?

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