income based benefits

[freelili]

Look divine

There arent many people who come here who are not scared out of their wits with debts they cant service. I really do understand that, these people you owe this money too cant touch you. I just dont see how you can go into an IVA with everything up in the air like this. You really do need a face to face with someone so you can explain the situation in detail. If you look in the phone book or even on the net, you will find the CAB (citizens advice bureau) listed, you will have a local one in your area. They deal with this kind of thing everyday and will talk you through your options. It may well be from what you are saying BR would be an end to this for you.

Everyone here at some time has faced this problem and it all gets too much for all of us at times.... We are not judging you, just trying to help you do the most important things first. You have obviously got a lot to go through. Are you saying that youre not moving out right away and want to do something to service the debts now??

[Til]

Citizens Advice Burough is defo good advice look-divine - they will see you straight and it's face to face so much easier than doing it alone or from distance. They can really get you on right track...

You can do this hun - one step at a time xxx

[look_divine]

there is always someone in the same boat as you, whether they are seperating from partner have kids need a new home etc etc
so reading will help just as much as participating
I cant sort out an iva till i know how much i will receive in wages and benefits etc
I dont know how much a council property rent is, i dont even know if i will get a reduction with housing benefite
my head full of so many questions that i feel im gonna burst
of course my kids come first they always have thats why im in the predicament im in now
im sorry if i angered anyone by posting messages i'll think long and hard before doing that again
nite all xxxx

[indebtforever]

angered who?
all these questions can be answered at the CAB and then maybe it will take a little pressure off you i hope

night

[Til]

Hi hun - you haven't angered anyone [:)] but I think without sitting down and going through your personal situation with someone face to face, you will not be able to get the answers you need...
Please try to make appointment with CAB - they will be able to advise you on housing and other things at same time to so all those answers on your individual circumstances in one place!
Good luck sweetie - going to bed now but hope you manage to make appointment to see someone soon xxx

[look_divine]

thanks i will
nitey nite xxx

[freelili]

We are desperately trying to steer you in the right direction to help you to service your problem. I dont know your circumstances, I do know what its like to be worried enough about debts to want to die.

I live in a council house since leaving my hubby with my 4 young children, I was terrified of the unknown and didnt know how on earth I would manage. You are amongst friends here, youre obviously so very scared but we cant help you if you dont post.

Why not try to see if you can get through to the CAB tomorrow and let us know how you get on. If you stay with us here you wont feel so alone in all of this.

Every problem has a solution and I am so sure yours is right there.

I wont be around, anyway, it seems that I am the one thats put you off, it wasnt intended at all.

Please just think about whats been said.

[indebtforever]

here divine search for your nearest one

http://www.citizensadvice.org.uk/index/ ... #searchbox

[look_divine]

no no no nothing you said just the way im feeling i think
trying to think positive that there is a solution to everything but its hard with so much going on
will get in to the CAB as you call it as soon as i can but with the kids off and working 1-9pm its hard dont really want to drag kids along with me you know what i mean
sut want someone to ring and say they have a house available for me then all systems go

[look_divine]

thanks for the link to cab

[freelili]

I know I had to wait too and it sucks, some years ago now but I remember the horrible limbo I was in then. I wish you the very best. You will be OK, I promise. Please try not to worry, get the house, a new life is just waiting for you. The CAB will be able to help you on all levels. I know youre scared and its perfectly understandable but you will be OK. As I said I dont know the circumstances but from what you have said, I think BR might be the best route. It really depends on how much you owe in total. I am not a financial expert just someone who has been in debt. You really do need to talk to an expert.

While youre waiting take a look at Bankruptcy, it sounds very scary but it might take some of the pressure off.

Good luck.

[look_divine]

no not bankrupcy i can and will afford an iva have looked up what housieng rent is for the local council and how much child and working credits i would be entitled to, rang cab couldnt get through was engaged had to go to work at 12pm so will try again tomorow
think i read hubby will have to pay 20% of his wages to me for child maintenance seen i have 2 but then hey it dont work like that does it LOL
thanks all

[MelanieGiles]

Yes - that is correct that your husband will have to pay over 20% of his salary for two children.

If you cannot wait for a CAB appointment, I am sure an insolvency practitioner would be happy to give you advice about your options. The CAB are dreadfully understaffed and underesourced at the moment - but do a very good job.

[look_divine]

but he wont melanie i know for sure he will pay as little as he can
dont get me wrong he dotes on his kids but will do it to spite me
i have a joint loan with him if i go into an iva can i get his name off it?

[MelanieGiles]

Well the CSA will make him pay, and if he doesn't he could end up seriously in trouble and have the money deducted straight from his wages. You cannot get his name of the joint loan I am afraid, and if it is a joint loan then he should also contribute towards it.