i want to start fresh

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seco8

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Post by seco8 » Wed Apr 23, 2008 2:44 pm
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I have a total debt of about £24,000. i have not paid anything to anyone for 3 years. the debts have been passed on to other firms for retrieval. i work in a solicitors and live with my parents. i wonder what to do. i need to move out but dont want to waste my money renting. i would love a house but dont think i could get a mortgage. i want to start fresh but how long am i going to have to wait until i can have a life. is bankrupcy the answer. will it affect my career.
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debtfreesusie67

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Post by debtfreesusie67 » Wed Apr 23, 2008 2:47 pm
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Hello and welcome to the forum seco8. I can't answer your questions but I'm sure an expert will be along shortly to help.

Sue
Hugs
Sue
The only way is up
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emma_t

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Post by emma_t » Wed Apr 23, 2008 5:04 pm
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Hi seco8

I would wait for an expert to answer your question and am sure someone will be along soon.

Have your creditors not been phoning/calling round after not getting payment for 3 years?

Best wishes
Emma x
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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chris.g

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Post by chris.g » Wed Apr 23, 2008 5:16 pm
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Hiya and welcome,
As far as your employment is concerned you will need to read very carefully your employment contract. Check for any small print on either IVA's or Bankruptcy.
I'm surprised your phone hasn't disintergrated with your creditors ringing for 3yrs! Have you any CCJ's at all?
xx
It's nice to be back......
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ianmillington

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Post by ianmillington » Wed Apr 23, 2008 5:27 pm
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As Chris says check your employment contract first of all. I note you work for a law firm, which you describe as a career, rather than a job. What is your role?

You haven't paid anything to your creditors at all, presumably because you can't afford to?

Ian
Ian Millington
Insolvency Director
PDHL Ltd (formerly Personal Debt Helpline Ltd)
www.pdhl.co.uk
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MelanieGiles

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Post by MelanieGiles » Wed Apr 23, 2008 10:11 pm
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They key think is do something! Those debts will no go away and have a nasty habit of reappearing when you least expect them to.
Regards, Melanie Giles, Insolvency Practitioner
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