We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Want to become a Forum Ambassador? Visit the Community Noticeboard for details on how to apply
Not it sure of best option
Hi, I have various debts of around 16k which many are from years ago (12 years)t I accumulated when my husband left and my business failed.
I am now re married and my husband has a good salary but these debts are nothing to do with him. I work part time and have kids. What is the best way of sorting these debts out without my husband been affected. I don' t pay any bills and my income just goes on my debt, food and the kids. I only have around 800 a month coming in and can't pay the debts. I used to have a payment plan with payplan but stopped doing it when my business failed and I lost income.
I just can't seem to see a way out and there are coming out of the woodwork each day. I have no assets at all.
Any suggestions. I did think about asking for CCA for the.loans but I need a more solid solution. Will a dro take.my husbands salary into consideration?
Thanks
I am now re married and my husband has a good salary but these debts are nothing to do with him. I work part time and have kids. What is the best way of sorting these debts out without my husband been affected. I don' t pay any bills and my income just goes on my debt, food and the kids. I only have around 800 a month coming in and can't pay the debts. I used to have a payment plan with payplan but stopped doing it when my business failed and I lost income.
I just can't seem to see a way out and there are coming out of the woodwork each day. I have no assets at all.
Any suggestions. I did think about asking for CCA for the.loans but I need a more solid solution. Will a dro take.my husbands salary into consideration?
Thanks
0
Comments
-
When did you last pay these accounts, could they be statute barred ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
-
Unfortunately not. I was paying them to 2016 then my business failed and went into liquidation leaving me with no income for a while.0
-
You really need to pop over to the debt free wannabe board, post a statement of affairs, the link to which is in the sticky thread at the top half of the DFW forum.
There is certain information we need to see before we can then advise on your best course of action.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.9K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.5K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards