Debts! Debts! Debts!

Hungry_Horace_3

Hi everyone, I just need some advice.
I have numerous bad debts (some in 5 figures) going back 5 or so years. I cant remember the exact amount as its to lots of different creditors. All of it is unsecured credit card debt and one of them is an unsecured loan.
I recently got my credit report and noticed some but not all of my creditors have registered CCJ's against me with the default dates ranging from 11/12/02 to 01/03/2003.
I have several questions I am hoping you might be able to help me with.

1. Will these debts ever become time barred (the CCJ debts and the ones not registered against me)
2. I am looking at getting married later this year can my new wife be chased for these debts. ( all debts were made long before we met).
3. I was recently made unemployed so I am not in a position to make any payments.

Regarding question 3 I have been getting a lot of calls recently from collection agencies (Apex being one) on my mobile which I have ignored. The problem being if I call them I cant make any payments but am willing to in the future if I can get a new job.

Any advice anyone can give would be greatly appreciated as its starting to affect my health but in my current situation I feel there isnt much I can do.

10past6

Hungry_Horace wrote: »

1. Will these debts ever become time barred (the CCJ debts and the ones not registered against me)
2 answers to the question, normal time barred mean that, time barred, however, if a CCJ has been entered onto a debt the debt is NEVER time barred, however, the DCA / Creditor would have to take leave of the court to enforce the debt.

2. I am looking at getting married later this year can my new wife be chased for these debts. ( all debts were made long before we met).
No

3. I was recently made unemployed so I am not in a position to make any payments.

Any advice anyone can give would be greatly appreciated as its starting to affect my health but in my current situation I feel there isnt much I can do.

You need to take advice from the debt carities, you do not need to use A FEE PAYING DEBT COMPANY, THEY CANNOT OFFER YOU ANYMORE THAN THE DEBT CHARITIES.

To find the debt charities, click here.