nightmare!

kezlev

hi i am after some debt advice, will try to keep it short! my husband has disappeared(been suffering depression) left job and gone gods knows where he also took all of our money for bills mortgage etc. i work but only take home 9oo per month whicj=h is about same as mortgage we also have a secured loan and two others, credits cards, catelogues and other normal bills, i cant afford to pay any of them, mortgage and secured lona are main concern, what can i do, cant sell house as in both names. appreciate any advice! Kerry

bringmeshoes

oh hun, sending hugs to you
i'm sorry that i cant offer more practical advise but wanted to answer so you know that someone has read this for you. there will be more people along shortly who will be able to offer more help than i can, you have definitely come to the right place. in the meantime go and get yourself a coffee/glass of wine until somebody else comes along

poorandindenial

Hi Kerry

What a difficult situation you are in, fingers crossed for you.

Have you spoken to any of your creditors yet?? If you explain the situation you might be able to get some sort of breathing space while you work out what you need to do. Are all of the debts in your name (except mortgage which is in both)

I think you should arrange to speak to one of the debt counselling charities (I will post the links in a sec) as soon as you can, they will be able to give you advice and support and may be able to liaise with your creditors on your behalf.

Please do keep posting on here too, you will get so much support and advice which can help you to get through this.

EDIT: Debt charity info from IA's DFW Dictionary Sticky

immoral_angeluk wrote: »

CCCS - The Foundation for Credit Counselling, based in Leeds, is the umbrella charity for the Consumer Credit Counselling Service in the United Kingdom. Through its free national telephone service, ten regional centres and online CCCS Debt Remedy, CCCS is able to help people with debt problems wherever they live.

Payplan -Based in Grantham in Lincolnshire, they offer a national service helping people with Debt. They are the UK's largest provider of free debt management plans. Payplan provides free debt advice and free debt solutions for anyone experiencing financial difficulties.

Citizens Advice Bureau - (CAB) - Citizens Advice and each Citizens Advice Bureau are registered charities reliant on over 20,000 volunteers and need to raise funds to provide these vital services. The majority of advisers are trained volunteers, helping people to resolve nearly 5.5 million problems every year.

dancingfairy

O.K How long has he been gone? Are we talking hours/days or longer? If you are concerned for his welfare I would contact the police and report him missing and try national missing persons.
Can you take a break on the mortgage for a few months? to allow you to pay the other bills and assess the situation with regards to your husband?
It really does depend on whether you think you will received any help from your husband or not on what the best course of action is.
You have a couple of options here:
a) pay mortgage and contact debt charity for help with the other debts.
b) take payment holiday from mortgage for a few months to see what happens with regards to husband
c) pay mortgage and try and earn extra with second job/doing internet surveys/clicks etc.
Whichever option you choose it's worth getting advice from a free debt charity.
Big Hugs.

postingalwaysposting

I agree with poorandindenial, Kerry you ned to get in contact one of the debt charities asap. You need some help in this situation and the free debt charites will help in any way they can. If that be phoning creditors/help writing letters they will be able to help. I hope your husband returns safe and well soon ~ take care.

hypno06

Gather together as much info as you can about your debts, and other expenses - all the things you are now expected to cover, now your OH is not about.

Then tomorrow give one of the debt charities a call, armed with your info, and they will be able to give you lots of help.

In the meantime, be aware that you are making positive steps towards getting this sorted. There is a limit to what you can do overnight, but you must look after yourself. Having an OH suffering from depression is one thing, having to deal with that whilst suffering yourself from depression is something else, so take good care, try not to worry (yes I know it is easier said than done) and be proud of having taken this first step.

pinkydinkydo

Hope your ok, ring everyone explain your situation i think they prefer this than when things get really bad. Best of luck let us know how you get on.

sallyx

Just wanted to send you a hug, My father also suffered with depression all his life and its hard for any family member to live with it. Take advice from what the others have posted and try and get some rest and take some action tomorrow.

kezlev

Thanks for all replys will contact one of these debt charites tomorrow, and hopefully can sort things out until know a little more. Dancingfairy it has been a week and police have been informed so are keeeping a look out for him, but no idea where he is, he did send one text message to his brother last week.
once again thanks for help will let you all know how i get on. Kerry