Self employed signed off work

selfemployed2020

hello. I hope this is the right place to post this, I wasn’t sure. My husband is a self employed worked and has been seen unfit for work long term by the GP, so this is leaving us with just my wages. These don’t cover much more than the basic bills. Is there a template of a letter we can use to send to creditors please? We just need a bit of breathing space. Thank you!

eskbanker

https://www.citizensadvice.org.uk/debt-and-money/sample-letters-to-creditors/
https://www.nationaldebtline.org/EW/sampleletters/Pages/default.aspx
https://www.stepchange.org/debt-info/dealing-with-debt-problems/sample-letters.aspx

https://www.moneysavingexpert.com/loans/debt-help-plan/
https://www.moneysavingexpert.com/loans/debt-solutions/

https://forums.moneysavingexpert.com/categories/debt-free-wannabe

[Deleted User]

Was he not paying into any income protection insurance? This is what it's for. 

NedS

Assuming he has been paying his National Insurance stamp, he can apply for New Style ESA (Employment Support Allowance) for people who are unfit for work. Applications can be made online on www.gov.uk website:

https://www.gov.uk/employment-support-allowance/how-to-claim

[Deleted User]

This is the main risk of being self employed. Some v useful links above.