please help

slobbs123

please help.

my boyfriend is self employed and nearly bankrupt with huge debts.

he wants to do the debt management thing, but which one's take self employed people?

poorandindenial

Hi Slobbs


I am sure that CCCS now have a team that specialise in people that are self employed.

slobbs123

no. won't touch him

iolanthe07

Pop over to the bankruptcy sub-board - they will be able to help. Maybe the best thing would be for your boyfriend to go bankrupt?

slobbs123

yeah but then wont he lose his house and business?

MrsTinks

slobbs123 can you get him to post a full SOA on here and we can have a look?

slobbs123

soa? i'm sorry, i dont know what you mean.
if you mean his debts its well over 100k and thats without the first mortgage.
his business partner (also his ex wife) told him last night that she's missed the minimum repayment this month on 3 cc's.

slobbs123

also i know he's got about 10-15 cc's that are all maxed out.
since they split she's let the business slide (she does the money) and i'm sure it's vengeance

poorandindenial

Hi slobbs - this person managed to do a DMP with CCCS when they were self employed (link) what reason have they given for not dealing with him??

If it is for something other than being SE then you may just have to go to the others in the list in this article in turn until someone will take him on (http://www.moneysavingexpert.com/loans/debt-help-plan#help)

In any event CCCS should still give advice and support about the options that he has available

poppyg_2

How about the citizen's advice bureau? Or National Debt Helpline? x

poorandindenial

Here is a link to a calculator that helps you do the SOA (http://www.makesenseofcards.com/soacalc.html) it is basically a list of income, expenditure and assets.