We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
My Partner is Unemployed with £20k Debt
Options
Comments
-
Hello everyone:
Here are a couple of ideas which might help or might be redundant:
Schools are hiring, I guess it depends what the subject is that she teaches but they are hiring. I would advise that she registers with some teaching agencies. You probably do need to register with about 5 to secure any work but once you have got some work with one, you will relatively constantly be in work.
I keep getting offers for interview in schools in the UK (I am an English teacher) but am working abroad.
I would suggest the best thing she could do to help secure work is to get a DBS check done on the live update system as this is what ALL agencies will want. From memory it costs about £35 to do and then there is an annual fee thereafter but this means that when you do register with agencies you can give them your DBS straight away and be out working sooner.
Also, this is probably not an option at the moment as she is yet to complete her NQT but has she considered teaching abroad, specifically in the Middle East? Salaries are good and tax free, accommodation is usually provided or subsidised and if you work in the right place (or wrong, depending on your personality) you can save lots of money as there isn't really much to spend it on.
Cheers
Graham0 -
Regarding her work, our school only hires NQT teachers to replace any teacher that leaves so, I think she stands a good chance as Graham1982 said. Many families are also looking for Tutors to enable children to catch up before September so that may be an option too.
Just when I'm about to make ends meet, somebody moves the ends2 -
Nick_K said:sourcrates said:If you can`t pay your debts, then there is a range of debt repayment options available, dependant on circumstances.How close to 20k is she ?Any possibility of getting the debt under 20k ?A DRO (Debt relief order) may be the way out if the debts can be brought under the 20k mark.She would be an ideal candidate if -# she is not a homeowner# has debts of 20k or less# no car worth over £1000# no assets worth more than £1000# has less than £50 disposable income left, not including debt repayments.
Looking at the requirements -
# She has around £2,000 in a help to buy ISA. (which she is prepared to use in order to repay some of her debts)
# She has a car which is probably worth more than £1,000, however £4,672.75 of her debt is made up of the car repayments, which at this point probably exceed the value of the car.
# I would say she meets all other requirements.
Thanks you
£1000 is the maximum asset limit so the 2k ISA would prohibit a DRO.
0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.5K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards