income based benefits

[indebtforever]

i would make it a priority to get to the CAB and sort a payment plan they do all the work then you have more money left then you need to sort a home for you and the kids the iva can come when you are settled

[Til]

I would probably leave as soon as I could and not worry about making payments in the meantime but that is just me - figure you're going to default on payments sooner or later and moving would make it hard for creditors to chase you and would give you time to get sorted before going into IVA?

That's just me though and obviously I don't know all the details but I wouldn't worry about paying payments in the meantime. Survival comes first.

Good luck hun hope you get it sorted xx

[freelili]

Whats the problem? I am only trying to help. You could leave your non priority debts until you get sorted with a home etc. Youre home and your kids must come first, the debts can wait.

Like you say, the priority is to get somewhere to live a home for you and your children. Then you can look into your options with regard to the debts. That doesnt mean you shouldnt post, just concentrate on one thing at a time.

I am sure you have many options available, but with being so stressed out right now and entering into the unknown re- housing, finances, you'll not know whats available to offer.

[look_divine]

im asking questions now because once i have left i wont have a pc to come on here, i have wrote everything down everyone has said
so thanks to everyone for the help
im now on the council list, houses to expensive to rent here and i dont want to move as son in last year of school and daughter just in 1st year
i can understand everyone saying get this sorted before that etc etc but its easier said than done when your crapping yourself

[indebtforever]

yes but whilst she hasnt even started the process of an iva or other she would be better sorting token payments up through the CAB the creditors act better when its through them i have been there and even if its as little as 5 pound it keeps them of your back for a while

[look_divine]

i dont even know what CAB is no one has mentioned it before

[indebtforever]

you and the kids are the priority and the debts can wait ask as much as you want we are here to help

[Moneystinks]

Citizen Advice bureau CAB

[Til]

Hi look-divine - you could always sign up to a local library as they often have PC's you can use for free - then you can still come on here for advice and support [:)]

[indebtforever]

citizens advice bourough

[look_divine]

thanks bu ti'll just read from now on hun
ta muchly

[indebtforever]

make an appointment take debt correspondance with you they will tell you to just pay priority debt till the sort a token payment plan with you and they will also help you with all the benefits you will recieve

[Til]

ok but don't go too far - if you need us we are always here (even us relative newbies [;)]) - and just remember to put you and the kids first - debts can and will have to wait xxx

[indebtforever]

just read!![:0] you need help you wont get it if you dont ask keep them questions coming i want to see you sorted into your new life to be debt free in a new home with your kids[:)]

[Viki.W]

Lily was just trying to offer you some good advice at midnight on a Sunday! Everyone is obviously trying to help you Look Devine. Ask as many questions as you like, that's what this forum is for.