Help & advice needed

jonoone

I need some advice regarding my dire situation!!
Have full hmrc investigation into my biz etc .am worried may have broken law-paid 2 cheques into my biz sent in error- repaid the company since-
have cc debts 40000. Have joint mortgage with wife 52000. SHE does not know extent of debts. living off savings dwindling fast Am terrified of losing house/ wife /daughter. am in this situation becos of me gamboling etc/ need counselling I must have a problem to be in this situation?? Could have paid off mortgage 3 yrs ago !!:eek: do i need to go br??

gambit_2

Hi, I'm not in a position to give you any advice but I just wanted to say I'm sure someone will be along soon to help you so DONT panic!!

Gambit x

dalip

Make an appointment or ring one of the debt charities ASAP You will find their number on fermi or tigerfeets signiture. Do it sooner rather than later please! They are the best to advise you then we can all help with the less "legal advice". Goodluck you have taken a step in saying you are in trouble that is often the worst step for many.Dalip

jonoone

Thanks Gambit my first reply!! fantastic!!

philnicandamy

contact details in my sig below

tigerfeet2006

Hi and welcome to the board.

The first thing you need to do is seek professional help. Contact one of the debt charities in my signature and go through your situation with them. They will talk you through all your options.

If they advise bankruptcy then we can help and support you through the process.

EDIT: Also check out Gamcare to help you with your gambling problems.
http://www.gamcare.org.uk/

gambit_2

Hey, no probs, I think I owe my sanity to these guys here helping me over the last few weeks (went bankrupt 2 weeks ago), least I can do is let you know someone is out here.

jonoone

Have got a tel appointment with cccs on thurs pm.Have to write down all creditors etc tonite.i am so scared of telling partner situation,she knows nothing shewould probably kick me out kill me (inthat order)i cannot bear to talk to her (thats always been the problem!!)

philnicandamy

Hmm I know that feeling very well....I was terrified of telling my partner & to be honest when I finally plucked up the courage i'm glad I did she was more happy that i'd started to take steps to try & sort the mess i'd got myself into...daft thing? she had an idea of how bad things were anyhow...stupid male pride asking for help!

gambit_2

Aww honey, you must be under tremendous pressure dealing with this on your own. I hope you get some answers here, coz I know you will get support and not be on your own now.

tigerfeet2006

You never know she might surprise you. Show her you are taking steps to sort out your problems with the appointment to CCCS and see what Gamcare can do for you as well.