Myself and my husband have got debts that we are unable to manage. We have two secured loans and a number of credit cards etc. It is a circle that we cannot get out of. Applying for credit to pay off credit. Our joint income is approx £48k gross per annum. I have three credit cards, three store cards. My husband as at least four credit cards. Can you help pls?
Hi
Well you have made the hardest decision,one of admitting that you have a problem.The next is to speak to several companies and decide on the route to take.
There is a solution for you
Regards
please get advice as soon as possible as Andy suggests as there will be a solution thats right for you and you will feel better when you have found that solution.
Why not contact Andy on his link below, he is a thoroughly good chap and will know how to help as he has been through it himself with his family.
Good luck and keep in touch with the forum as you will find it a support
Emma
Be positive & look after yourself, there are more important things in life than debts....
Hi and welcome from me too. I can only echo the above.
There is always a way forward and you should be so proud for realising you need to deal with it. I wish you all the best. Keep posting and let us know how you get on.
Well done for posting about your problem debts,we have all been there and there is a solution so dont panic. The sooner you contact a professional to discuss your situation the sooner you will enjoy a nights sleep(a proper one!!)
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
amanda2009 wrote:
Myself and my husband have got debts that we are unable to manage. We have two secured loans and a number of credit cards etc. It is a circle that we cannot get out of. Applying for credit to pay off credit. Our joint income is approx £48k gross per annum. I have three credit cards, three store cards. My husband as at least four credit cards. Can you help pls?
Ditto to all of the above - and rest assured, there is a solution readily available - we have all been there......good luck!
Before you do speak to a professional about your circumstances, it is always useful to work out your income and expenditure to see how much you have avaialable - after deducting all of your living expenses and reasonable personal expenditure.
This figure will be critical to the options available to you, and will determine the amount which could be repaid to creditors under most of these procedures.
