The Big Decision – Bankruptcy or DMP (Long post)

KITTY_2-2

Thanks Susieh I'd appreciate the info.

susieh_2

Hi Kitty,

Nothing about b/r at all in the new business rules, but did get this Tel no for a DWP staff help/support group. Its called Corecare and they offer private and confidential advice for DWP staff. The one that deals with legal and financial problems is 0800 652 3308. I don't know if they'll be able to answer your question but it may just be worth giving them a ring.

Sorry could'nt be of any futher help

Susieh

KITTY_2-2

Well after waying up all the advice, talking to my union rep at work and not sleeping for 3 nights I've decided what to do :j

Drumroll please .................

I'm going for the DMP

I know I'm looking at a long haul but I figure it's the better option for me. After talking to the rep I found that as my work includes dealing with my team budget then Bankruptcy wasn't a good option. So I called my manager and asked if I could bring forward my return date. She agreed!!
So as of 7th April I will be back in full time employment :eek:

It means a rejig of my budget, and probably CCCS will suggest a change to my payments, but I feel like I'm doing something positive towards paying back my debts.

Think I'll check out the DMP support thread next and perhaps boost my commitment by posting a diary.

I want to thank everyone who offered advice and why they made their decision. Fingers crossed I'm going the right way

fermi

Hi again.

Glad you've made a decision on what you feel is best for you. The right way is whatever you feel happiest doing. As you've seen, there is plenty of support here if you are on a DMP.

With the DMP you can always choose another option (like BR) a sometime in the future if you feel the need.

Good luck.

Gemmzie

Good luck and definitely come and say hello on the DMP support thread

If you pop up your SOA, we might be able to find ways to cut your bills more or maybe increase your income