Teetering on the brink

SuzeQStan

Hey EB - been thinking about you and just a couple thoughts below 

I know you said you would pay back your bro and the highest interest bearing credit cards if you got the leaving payment, but wondered if you could possibly reduce to the benefit threshold you mention by repaying some mortgage instead. What I don’t know is if this could be viewed as deprivation of assets in certain circumstances - hoping someone in the know on forum?

Also was thinking if you had more equity in your home you would therefore have ‘something to show’ for the money from your employment if it comes through. And obviously reduce your monthly outlay. And the mortgage is an existing essential to pay debt so it makes sense to a lay person like me.  Maybe something to look into?

Additionally if there is any groundwork/evidence you can put in place (with your gp?) to show that despite ‘voluntarily’ leaving work, you had no choice but to do so through ill health.  And as you are now struggling with 1/2 pay is it time anyway to stop credit card payments possibly so you can put that money toward essentials rather than credit debt?

badmemory

If you are going to be seriously short of cash, have you thought of paying your brother & the rest off the mortgage & stop paying the rest.  So you won't have access to a credit card & your credit report will not look good, but seriously will that matter.