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Big decision to make am scared

my husband died at the end of last year. I have around £23k of debt which I need to deal with. I already have informal arrangements with 3 of my lenders (credit cards)

I have filled out the budget sheet with stepchange who have recommended a pause in payments or a dro. The recommended top solution was suspension of payments. I’m a bit scared a a dro. What are the pros and cons of a suspension of payments please? It’s so scary being on my own now and dealing with all this. I have a son whose mental health is broken by losing his father so I’m supporting him and need to get this right so I have space in my head for him. Thank you for reading

Comments

  • Ms_Chocaholic
    Ms_Chocaholic Posts: 13,622 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    I'm sorry to hear this. I didn't want to read and run but I'm sure someone knowledgeable will be along soon to help you, they're so helpful here I'm sure they'll be able to give you some advice x

    Thrifty Till 50 Then Spend Till the End
    You can please some of the people some of the time, all of the people some of the time, some of the people all of the time but you can never please all of the people all of the time
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