can no longer keep my head above water

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neilb

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Post by neilb » Mon Jul 21, 2008 7:25 pm
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Sorry all, gave top line for take home, not bottom line, my head isn't really in gear...[:(]
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MelanieGiles

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Post by MelanieGiles » Mon Jul 21, 2008 7:35 pm
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Don't worry - mine has been like that all day! How much disposable income do you feel you would have to offer creditors on a monthly basis?
Regards, Melanie Giles, Insolvency Practitioner
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kallis3

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Post by kallis3 » Mon Jul 21, 2008 9:15 pm
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My maths has always been abysmal Melanie!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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neilb

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Post by neilb » Tue Jul 22, 2008 1:37 pm
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Hi all, maybe not the right thing to do but i'm just off to make some 'fone calls to put my house on the market, don't need to make a massive profit on it so hopefully it may sell quickley. (bought really cheaply a few years ago and did it up).
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Viki.W

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Post by Viki.W » Tue Jul 22, 2008 3:31 pm
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Good luck with that Neil, keep in touch with the forum and let us know how it all goes. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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facingittogether

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Post by facingittogether » Tue Jul 22, 2008 4:30 pm
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good luck neil!

hope everything goes ok for you, but renember we are all her for you!

love barb x
12 down - 60 to go! woo hoo!
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chardonnay

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Post by chardonnay » Tue Jul 22, 2008 6:05 pm
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Hi Neil,
Like the others, good luck from me too. May you find a buyer quickly and start on your journey down the road to a deb free life,
Chin up and let us know how you get on,
Hugs,
Chardonnay
Chardonnay
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MelanieGiles

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Post by MelanieGiles » Tue Jul 22, 2008 6:21 pm
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Is there a lot of equity in your property, and will this enable you to pay off your debts in full Neil?
Regards, Melanie Giles, Insolvency Practitioner
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neilb

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Post by neilb » Wed Jul 23, 2008 3:48 pm
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Hi all.
Melanie, there is a fair chunk of equity so it should help a lot.
Most importantly I have discussed my situation with my wife and there is now thanks to her a much brighter light at the end of the tunnel, she is even more amazing than I already thought...

Cheers.

Neil..
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MelanieGiles

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Post by MelanieGiles » Wed Jul 23, 2008 3:52 pm
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Most wives are amazing - as I am sure all of the male members of the forum will agree! What do you plan to do now to address your debts?
Regards, Melanie Giles, Insolvency Practitioner
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neilb

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Post by neilb » Thu Jul 24, 2008 5:11 am
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We will draw up a 'in's and out's plan, my salary will go purely against debt and she wil help with whats left of hers.
Cancels all the card payment protections last night to get the balances down quicker. Going to plan more later...

Neil.
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Viki.W

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Post by Viki.W » Thu Jul 24, 2008 9:22 am
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Neil, I'm glad you and your wife are sorting everything, gaining back some control of your finances. I wish you good luck, keep in touch. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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kallis3

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Post by kallis3 » Thu Jul 24, 2008 6:45 pm
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Neil, so glad you are getting yourselves sorted.

Good luck for the future.[:)]
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Tifosi1

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Post by Tifosi1 » Thu Jul 24, 2008 6:58 pm
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Neilb - good luck - sounds like our situation is diiferent to yours but i dont know what i would do if i couldnt share my money worries with my fiance

Mind you, not sure if she would agree when i keep her awake in the early hours talking about it all!

If you decide to sell the house good luck - ours has been on the market since Feb and we havent had a single viewing, and the market just seems to get worse each month. I partly blame the media - the papers and news are full of strories about how values are sliding and mortgage applications are down etc - if only they published some positive stories or spun it a little somehow, things wouldnt be so bad because people wouldnt panic so much. Seems like a vicious circle to me

If you sell it let me know so i can hire your agents!!
If you don't make mistakes, you're not working on hard enough problems. And that's a big mistake

After climbing a great hill, one only finds that there are many more hills to climb.
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