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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by Rocky Road[/i] [br]Hi, I wonder if you could help me. I am under great stress at the moment as I am offering support & help to my Mum who cannot cope with being in debt and we fear is close to a breakdown. Following the end of her marriage my Mum found herself trying to keep the mortgage going alone on her home, consequently she relied on credit cards - when the balance on the cards got high she would go to the bank for help who would increase her mortgage, give her a loan or increase her creit card limit - even though she could not afford this - and so eventually the situation would repeat itself. Over 2 years ago my Mum decided to sell the house and pay off what she could to the banks, all mortgages were paid off but she was left with 2 credit card debts and 2 bank loans (with the same bank). She had £25,000 left after the sale of her home and had to decide whether to pay off what debts should could (not all of them) and have nothing or whether to put the money into a new life. She decided to purchase a 'holiday' caravan to live in which is estimated in value at and costs less than £500 a month to keep running. Although these are not built for everyday life she is managing just fine. At the same time we contacted CCCS for advice and she set a debt management plan with them whereby she pays what she can each month off her debts. We continously recieve mail from the people that she pwes money to making various threats and frequently the debts seem to change companies. I feel we are now at the end of the line and would desperatley like some advice as to how we can move forward with this, she is petrified that she is going to end up with the bailiffs going to her caravan/home and taking what she has got and that she will be left with nothing. We have toyed with the idea of her making herself bankrupt but we cannot bear the thought of her losing the only home that she now has and also she would struggle to find anywhere cheaper to live. The debts that started off at £30,000 2 years ago have now soared to over £60,000 with the interst and charges that is being applied to them. Any advice would be most gratefully recieved as this is starting to feel like a very heavy weight. Thank you [/quote]   Check here to include your profile signature.