How Dark Desperate Can It Get??

DIZZYANDSKINT

At the mo I feel really desperate,debts keep piling up, and I have been burying my head in the proverbial sand.My first problem is tommorow, I have to fend off being evicted, my hearing is 11.00am. They are going for posession but this is on hold as long as I pay the rent and £5.00 a week towards outstanding amount, but I have been advised to appear which I will do.
My other problem is I have mental health issues which Im dealing with and I cant cope with all this, its all my own doing I know but I feel invisible and stupid by the mess Im in...I found this site so can I pick your brains re my situation.

Can council tax and rent arrears go on a bankruptcy form?
I desperatley need to take time off work but if I dont work I dont get paid so a catch 22 situation.

Whilst going through my papers this morning I found I should have gone to court re my Council Tax last WEDNESDAY so I now probably have a liability order and bailiffs pending it seems to be getting worse.

I have CSA deductions from my part time job they are taken at source I earn £89.50 clear but end up with just over £50 because of the deductions, I have Working Tax Credits that keep me afloat.
The local council dont take CSA deductions into account when assessing Housing and C Tax Benefit so I have nothing left after paying rent ctax electric and gas.
I so want to tell my awful employer to stuff his job and walk out but if I do that I will have made myself intentionally unemployed, my friend said to go sick and claim Incapacity Benefit because of my mental health or Jobseekers, these places frighten me.

I feel like im invisible, the only person thats listened to me was the lovley lady at the court yesterday when I went to hand in my defence forms, the lady from the council has been kind too explaining they have to go for posession but it will be on hold as long as I pay my rent but Im going to say my peice to the judge tommorow Im sick and tired of being ignored. I work and claim whats ok to claim but Im worse off working, each day is a struggle.

I need some advice re bankruptcy, and what debts can go on it, and how the heck do you get together money to pay for it, I honestly dont have a spare penny after paying basic living expenses and I mean basic no luxouries, even eating decently is a luxury some weeks.

I know deep down I will cope, I just want a debt free existance, with no hassle from folk, and to be able to not feel scared when the post box rattles and hoping my gas and electric meters dont run out.

I know this sounds dreary and self pitying but I feel bad today, is bankruptc that easy to achieve? I used to have a sense of humour and a bright outlook all I see at the moment is a sea of debt letters and snappy at the heel debt collection agencies who seem oblivious that I dont have money to paythem.

Any advice would be most helpful thanks

Anne

MammaCas

Hi Anne

The very first and best thing to do is to contact one of the debt charities, CCCS is the one I chose and they were brilliant. Another alternative would be your local CAB, I know ours is really good and the debt advisor there actually accompanies you to court and helps every step of the way.

Once you have made this contact you will feel SO much better because you will have a clear picture of what you can do.

If you are advised that BR is the best option then there are a lot of people who do take time out from work for a while and are able to do this because they have no debts.

Good luck, keep posting and take care.

MC x

debtissoeasytogetinto

DIZZYANDSKINT wrote: »

At the mo I feel really desperate,debts keep piling up, and I have been burying my head in the proverbial sand.My first problem is tommorow, I have to fend off being evicted, my hearing is 11.00am. They are going for posession but this is on hold as long as I pay the rent and £5.00 a week towards outstanding amount, but I have been advised to appear which I will do.
My other problem is I have mental health issues which Im dealing with and I cant cope with all this, its all my own doing I know but I feel invisible and stupid by the mess Im in...I found this site so can I pick your brains re my situation.

Can council tax and rent arrears go on a bankruptcy form?
I desperatley need to take time off work but if I dont work I dont get paid so a catch 22 situation.

Whilst going through my papers this morning I found I should have gone to court re my Council Tax last WEDNESDAY so I now probably have a liability order and bailiffs pending it seems to be getting worse.

I have CSA deductions from my part time job they are taken at source I earn £89.50 clear but end up with just over £50 because of the deductions, I have Working Tax Credits that keep me afloat.
The local council dont take CSA deductions into account when assessing Housing and C Tax Benefit so I have nothing left after paying rent ctax electric and gas.
I so want to tell my awful employer to stuff his job and walk out but if I do that I will have made myself intentionally unemployed, my friend said to go sick and claim Incapacity Benefit because of my mental health or Jobseekers, these places frighten me.

I feel like im invisible, the only person thats listened to me was the lovley lady at the court yesterday when I went to hand in my defence forms, the lady from the council has been kind too explaining they have to go for posession but it will be on hold as long as I pay my rent but Im going to say my peice to the judge tommorow Im sick and tired of being ignored. I work and claim whats ok to claim but Im worse off working, each day is a struggle.

I need some advice re bankruptcy, and what debts can go on it, and how the heck do you get together money to pay for it, I honestly dont have a spare penny after paying basic living expenses and I mean basic no luxouries, even eating decently is a luxury some weeks.

I know deep down I will cope, I just want a debt free existance, with no hassle from folk, and to be able to not feel scared when the post box rattles and hoping my gas and electric meters dont run out.

I know this sounds dreary and self pitying but I feel bad today, is bankruptc that easy to achieve? I used to have a sense of humour and a bright outlook all I see at the moment is a sea of debt letters and snappy at the heel debt collection agencies who seem oblivious that I dont have money to paythem.

Any advice would be most helpful thanks

Anne

You are not being ignored! The first thing you need to do is some professional advice from one of the free debt help lines - CCCS/CAB or National debtline - they will be able to advise you as to your best course of action. BR is not an easy thing to go through in my experience - it is stressful and embarrassing talking to some stranger explaining why you are so much in debt! Sorry cannot be of further help the free debt lines should be your first call as they will be able to explain the legalities etc. Welcome to the forum, i speak for myself and my experience here, but we're a friendly bunch and will offer support and advice through experience where possible.

philnicandamy

I'll agree with what everyone else has said....you need to get some professional advice asap

contact any of the free debt helplines below

DIZZYANDSKINT

thanks for reply Mamacas

I have the bankruptcy forms in front of me I collected them yesterday from local court, so deep breathe and Im going to read them and see where I stand.

Its going to take me months to even save up the money to go bankrupt, but one small step starts the journey (I have positive head on this morning):rotfl: or is it thecaffiene from the cups of coffee I drink ah well who cares.
Anne

philnicandamy

The forms can be a little confusing so if you need help with anything just post.....with the fees most people stop paying creditors just priority debts rent/gas/elec etc some utilities companies do offer a trust fund where you "might" be entitled to a grant towards the cost of fees (cccs have a list of ones you could apply to)

DIZZYANDSKINT

thanks all that have replied... i had a bad morning then after reading a few more letters on here have decided positive and forward.
I have talked to CCCS and they said bankruptcy and CAB have an appt at end of June as there so busy, the lady at CAB said I wont be the first or the last in todays money crunch situation and to be positive she quoted Martins phrase no debt cant be sorted,
So I just need to start saving up, am going down the pawn shop with some gold jewellrey my mother left me, she said it was my rainy day fund, Id forgotten about it till now,
Once again sorry for the wibbly wobbly first post I just felt useless earlier today.
Anne

SuziQ

Good luck Anne-you are being very brave,and by taking this first step you are starting to take some control back in your life- as feeling out of control is one of the most stressful things you will soon start to feel better I'm sure. Well done and again,good luck,my prayers go with you.

MammaCas

DIZZYANDSKINT wrote: »

thanks all that have replied... i had a bad morning then after reading a few more letters on here have decided positive and forward.
I have talked to CCCS and they said bankruptcy and CAB have an appt at end of June as there so busy, the lady at CAB said I wont be the first or the last in todays money crunch situation and to be positive she quoted Martins phrase no debt cant be sorted,
So I just need to start saving up, am going down the pawn shop with some gold jewellrey my mother left me, she said it was my rainy day fund, Id forgotten about it till now,
Once again sorry for the wibbly wobbly first post I just felt useless earlier today.
Anne

Hi Anne

Things will start to look better from today, once I got my head out of the sand and took control it all fell into place. It might be worth checking if you are exempt from the court fees, have a word with your local court they can send the form to you.

In November last year I was facing losing my home, a mountain of debt and numerous telephone calls per day asking me for money I didnt have. I now have another home, no debt, a new job and a happier outlook. It wasn't easy and I still feel guilty/ashamed - I haven't told many people about my BR, but that's my personality.

You take care and if I can do it, you can x

maxmycardagain

anne



giz a kiss?

MammaCas

maxmycardagain wrote: »

anne



giz a kiss?

:rotfl: Max, you are that weird you are funny

Anne, he is just trying to cheer you up, maybe not appropriate at the moment, but you'll get used to him