Help needed, 1 week away from my baby

skintas_2

have you tried the website what your enitled to or whatever, im sure you must be able to get some type of tax credits as soon as ur mp finishes if only your husband is working, good luck with the baby try not to get to stressed. first few weeks with a new baby you dont spend much , as you recieve so many presents and bounty pack full off coupos to help with baba........good luck

Scottishmummy

I too was expecting when we started on a DMP with CCCS. So glad we started when we did as I was made redundant at the end of my maternity leave.

Is your DH still self-employed or is he employed now? My DH has always been self-employed and after being made redundant I went self-employed for 22 months but I am employed again. I think CCCS are not keen to take you on if you are both self-employed but if he is employed you should be okay. When I went self-employed they were ok about it because we already had everything set up and in fact we were able to increase our monthly payments. Now that I'm employed again our costs have gone up so our monthly payments are currently at the lowest they have ever been. Hopefully we will be able to increase them again soon but if we can't it just means it will take even longer to become debt free.

Give CCCS a call. They have always put me at ease and never made me feel ashamed at the situation we have got ourselves into.

smashedbooboo

Bump x x x x

tigerfeet2006

josephine1 wrote: »

I've been putting this off, hoping for a miracle! In the last 2 years since I started my own business, my partner had a breakdown and our debts went from a manageable £22k to around £50k and I'm 1 week away from giving birth.

My partner is now working, but on a lowish wage of around 18k a year, I get a weekly maternity allowance from paying my NI, as I'm unable to now work. I think because I'm self-employed we can't look into an IVA? So if we applied for bankruptcy, would the only valuable things we have my car/cameras/computer that I use for my job be taken?

We've got to the point that I know we can't pay this months minumum payments on loans and cards, we have no ccjs. A lot of the debt is on 3 lloyds credit cards, and they have the ability to ransack your lloyds bank accounts for money, so I've opened a new abbey bank account and asked my partner to speedily get his wages put in there, rather than his lloyds bank account.

I just don't what to do anymore, please help. I'm terrified of losing my home, we rent, but I just don't know what they can do to us.

Thank you for any advice

First bit of advice is take a deep breath and relax. It's only money, you haven't murdered anyone.

You've taken the first steps to getting your life back under control so should be proud of yourself. Now take the next step and phone either CCCS or National Debtline. They are completly non-judgemental and will help you work your way through this.

If they advise BR then no-one will come and take anything from you. All the the OR is interested in is big ticket items like 50" plasma screens and the Picasso in the loo.

The car you will have to write a letter explaining why it a nessecity and not a luxury to the OR and they will decide weather you can keep it.

Pop over to the Bankruptcy board and ask a few questions. We are all as nice as the guys on here.

Congratulations on the impending birth of your baby. I wish you well. As a Mum of 3 I know how you must be feeling.

(((hugs))

EDIT: If any of the debt is business related it might be worth contacting Business Debtline. Numbers and links in my signature.

Dez-Titute

Waspeze wrote: »

As had already been said, definitely take advice first (cccs, cab or national debtline) but if you are advised to go BR then you can always ask "specific" bankruptcy questions over here http://forums.moneysavingexpert.com/forumdisplay.html?f=136

If you don't have to go BR though then the lovely people here on DFW will help with ways to cut expenditure etc!!

Hi Josephine1,

Take Waspys advice and follow the link and start a new thread on there,you'll get all the help and support you need to get you through this .

Big HUGs,

DEz

Thanx Tiger

smashedbooboo

Thank you so much for that tigerfeet. Really appreciate it. I might be over your way soon needing some advice myself. And yes you are all friendly over there. Thats why i popped in. x x x x

josephine1_2

Hi All, just wanted to thank you all for the kind advice you gave me. THe last few weeks have passed in a blur because of complications in the pregnancy and I went almost 3 weeks over! I finally have my baby and I'm out of hospital and I rang the National debtline today for advice. On Tuesday my partner and I sorted all the paperwork out relating to the debts and feel with the support of the charity we can see a way forward. Just wanted to say thank you and that all your replies did make a difference

Waspeze

Congratulations on your baby Josephine