i curently owe about 25000 to about 9 creditors i am on income support and have 3 children and a wife i get about 1000 a month and have to pay out about 790 a month and i am also disabled with a disabled car and live in a council house i am scared because everyone wants about 50 a month and i find it very disfficult to pay this sort of money but can't afford the money also to pay the courts and the court advisor fee of 350 pounds what can i do
Your story is one we here so much on here and by the sounds of what you have said you cant even do an IVA or even a DMP.
If you stopped paying any of the creditors then you could save for the fee. You dont have to pay someone to do the form for you, it can be done by you if you dont really have any assets.
Why do you have to pay a court advisor or do you mean the whole court fee which is £495 at the moment but if your on certain benefits/low income you can apply to get a reduction of £150 via the court bringing it down to £345.
If i can help anymore dont hesitate to ask. Remember that your not alone and you have taken step one by posting on here :-)
Jo x
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called: Needafriend's Info on Bankruptcy :-) http://debtfreejo.blogs.bankruptcyhelp.org.uk/ Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
Robert, don't be scared anymore. You've taken the first step and there are plenty of knowledgable people on here who will support and help you. Have you spoken to Citizens Advice at all? That would be beneficial to you I think, or give the helpline a call (number at top of page) and speak to a qualified advisor.
Remember, money is only printed paper........
Good luck xxx
working towards the first day of the rest of our lives
i curently owe about 25000 to about 9 creditors
Posted - 07 January 2009 : 10:57:34
