is bankruptcy the only way

madoldbat

LBF your OH is spot on you have let no one down.You have tried and continued trying under very difficult cercumstances.Your 1st thoughts must be for you and your baby nothing else is as important.
BR is not a choice any of us make willingly but sometimes there is no other way.
You need peace of mind now ,stress and guilt will not help you or your baby.So talk to the charities in Richards sig tommorow ,keep posting on here and we will help were we can and support you whatever your choice.

Addicted2Chocolate

If you do decide to go BR, I would try and do so before baby arrives. I take it this is your first. When I had my first i was so stressed, he had colic, he hardly slept at all so OH and I were both exhausted for first 3/4 months. I could not think straight, even drove through a red light with baby in car. What i am trying to say is you wont need the stress of going to court and having the interview wioth the OR. I would try to go BR before baby arrives. PM me if you haver any questions about what the OR does. I deal with debtors petition cases.

lovebugfamilly

well ive contacted national debt line and it seems my only option is to go bankrupt as i wont have a spare £100 min a month to pay into any dmp plan , they are surprised payplan have reccomended a dmp as i made them aware of my situation and they still have tried to press me into a dmp when in a few months time i will have no means to pay it. so im afraid im going for it im contacting court tomorrow for forms and set up court date im sooooooooo scared but this is the only way i can have a fresh start with my partner and new baby , gonna ring my parents later and tell em am so ashamed and scared

fiveyearplan

Good luck telling your parents. I hope they are supportive.

lovebugfamilly

fiveyearplan wrote: »

Good luck telling your parents. I hope they are supportive.

thanks have told them and they were fab and have told me to stop worying and that everyone makes mistakes and they will help me with forms and come to court with me

betterlatethannever

:T :T what lovely parents. Mine were about the same and have been very helpful since.
Its a huge help if they can be there for you and support you.

fiveyearplan

Thats wonderful news. HAving family support makes all the difference.

Beblong

I'm so pleased for you!

You won't believe how well you sleep once everything is finalised, and now you can concentrate on bringing your baby into the world.

keep us up to date with how things are going for you.