Its just getting to be too much

[joannal]

Well I am sure my story is no different to anyone elses, I am in debt and I cant cope.

I have set up numerous payment plans with my banks and other debtors but due to system errors the banks keep getting them wrong, not taking payment, or adding on chargs in error. I am getting letters nearly every day demanding money I then have to call them and sort it out this vicious cycle is making things so bad I am sitting looking at my ani depressants every night and wondering maybe if I just ended it all everything would be better.

What is making things worse is that I cant even declare myslef bankrupt as in September I will be going back to school to do my law degree and in Bankruptcy you cant join certain professions or so I have been told anyway. So now I am joing this blog site and searching for advice from people who can help me make things better. I feel so trapped and alone and I have no one to talk with, I cant tell my parents the full extent of my problems as at the moment my gramps has been diagnosed with lung cancer and my dad has been told he has MS. They don’t need my added stress as well.

I make such little money I am only part time employed by a friend and earn just £423.81 a month but I know I could make a IVA work as my parents would let me move home so I would have at least £150 p/mnth to be able to pay. Or my other option would be a DRO but will this affect my dreams of being a prosecution lawyer.

Well thanks for listening everyone and I hope I manage to get some good friends

Joanna xxx#65533;

[kallis3]

First of all, you have come to the right place for support and advice from people who have been there, or are still there and from professionals.

Please don't think about doing anything silly as there will be a solution out there for you.

How much are your debts? It may well be that you are able to do an IVA, but you need to seek professional advice.

If you visit www.iva.com you will find a list of reputable companies. Ring one or two and they will give you free and impartial advice about all the solutions available and the best one for you.

Just remember that you are among friends here.

[Skippy]

Hi Joanna and welcome from me as well.

As Jan says you're in the right place for support and friendship - I've made some really good friends since I joined the forum, and I've had unbelievable support and advice.

Please don't think of doing anything silly. At the end of the day it's only money, and you are much more important than your creditors. There will be a solution for you, it's just a case of finding it.

Like Jan says have a look at iva.com, or you could contact any of the professionals who post on here - you'll find their details in the experts section at the side of the page.

I'm sorry to hear about your dad and grandad, and I know nothing I say will make it any easier, but you can always come on here and sound off if things get too much and there'll always be someone to support you xxx

[Pap]

Hi Joanna
Can't really add much to what everyone else has said only that it is only money and money is not what's important in the world and it certainly isn't worth doing anything silly. This is a bad time for you at the moment but it will get better, maybe not perfect but better, and you will get through it. I've been through an abysmal couple of years and although I'll never get over what's happened to me, I will survive and you will too. You can come on here at anytime of the day or night and someone will always come back to you, it may take a while but you will get help and support. without this forum I wouldn't be where I am and I am more that ready to pass on some of that support to others in need.
Keep strong - you are far more important than a bit of a mess with money and I'm really sorry to read of your family difficulties.
P x

[debtmountain]

Hi Joanna and welcome from me too.

Please don't think of doing anything silly, while you may not think it at the moment,you will get through this,and will get plenty of help and support from everyone on this forum, whenever you need it..

There will be a solution in sorting out your debt situation and once you have taken that step in chatting to someone about it, you will feel so much better,I promise.

I am sorry to hear about your dad and gramps too,you must be so worried right now ,I'm sending you a virtual hug as I think you need one...Just wanted to add well done on starting a blog as well, I'm sure you will find that this will help you to write everything down...We're your friends now so please keep posting and blogging[:)]...take care of yourself, like the others have said, you're far more important than a few debts..xx

[David Mond]

Hi Joannal - I am glad you have contacted my firm. I did post a comment on your blog but it seems that it has not yet been posted. Your in safe hands now. x[:)]

[tori]

Hi Joanna. Just wanted to add my welcome and say well done for finding the courage to face up to your debts.

I'm so sorry that you're going through such a difficult time, but you've done the right by seeking professional help - and once you've got your money worries sorted out you'll be free to concentrate on your family and also your degree.

I know it can feel pretty daunting at the start, but the hardest part is over now - and you're in very safe hands with David and his team. So good luck with everything and keep us posted...we're all here for you - take care[:)]..xx

[chardonnay]

Hi Joannal,
Welcome from me too and well done on facing up to your debts which you can now get under control.David and his team will look after you and provide potential solutions until you find the right one for you.
Like many others on this site, I have been where you are and thought there was no future for me. You are wrong and you will have a happy future ahead of you where being debt free is achievable and sustainable - like all of us you won't end up here again!!
Chin up, be brave and accept the love, help, advice and support this sites gives. You are now amongst friends and we're all in the same club!!
Take care,
Chardonnay

[joannal]

Thank you everyone for the kind words, well for a short period of time things were looking up I spoke to Mike morgan at cleardebt and even though I was on a low income, and had £14000 he gave me the news I could do a IVA.obvisouly depending on whether the creditors agreed

You guys will understand the relief you feel when this happens I saw some light.

Today my friend advised me he will probably be going for bankruptcy and that I will have to be let go, I mean jesus kick a girl when she is down! You see that little glimmer of light and then the light gets turned off with blackout blinds as well. Its like a soap opera except I dont know how it all ends and thats the scariest part of it all.

I am going on JSA which is £50 per week but the annoying things is that I know if I was ever short my parents would give me the money to cover an IVA payment but because I am now on benefits its not a option.

Now its a horrible wait till tuesday so I can contact mike and see what happens now, this forum is the only thing thats keeping me going.

So thanks for all your lovely words

Joanna x

[kallis3]

Joanna, if Mike looks in at all over the weekend - which he may well do - I'm sure he will be in touch.

[chickpea]

Hi

i just wanted to post as i was in exactly the same situation as you nearly two years ago. Paying peter to pay paul, people chasing me for money and just wanting to run away from it all. (although mine were considerably more than yours due to completion of one degree already)
I was wanting to study law as well and so did not want to be declared B as would have scuppered any chances. I even sent a letter to the law society for information and their short and sweet answer to whether you could practice when B was a big fat ''NO''. An IVA was therefore the only way forward for me.
The first step of picking up the phone and admitting everyhting was the hardest part but once that is over with the weight which is lifted off your shoulders is immense! nearly 2 years on i am in a much better position. i still have a life, ok not as good as before and every social event has to be related to 'how much' but you can still occasionally treat yourself and have a night out here and there. One thing it has taught me is the value of money which personally i think is the greatest thing of all.

[deb.ml]

Hi all,
Just wanted to add to what Chickpea has said. Money isn't everything - far from it. I'm seven months into IVA and although hard better than robbing Peter to pay Paul permanently.
Once you have a plan in place and can afford it things will seems a lot lighter. Don't think about doing anything silly just because of money. You'd hurt your family and friends terribly but the creditors probably would barely notice