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Posted: Thu Apr 25, 2013 7:41 pm
by Elizabeth.hn
I have tried an debt manager programme and. Couldn't afford repayment and I'm a single mum with no income only benefits and out o that I have to pay bills and legal aid debt recovery is there any way u can help
Posted: Thu Apr 25, 2013 7:48 pm
by luluj
Welcome to the forum. You would be best advised to approach two or three insolvency practitioners that can deal with your situation. There are any solutions available depending on your circumstances, including debt relief orders and bankruptcy. Look at
www.iva.com and you will find contact details for recommended firms . Good luck
Posted: Fri Apr 26, 2013 3:52 pm
by ClareSilver
Do you own any assets at all? Have you considered bankruptcy?
Posted: Fri Apr 26, 2013 5:14 pm
by grasshopper
How much are your debts? If they are less than £15,000 and you have no assets then you could apply through your local CAB office to do a Debt Relief Order (DRO) this only costs £90 and wipes out your debt. If you have more than £15,000 then you could look at bankruptcy
Posted: Fri Apr 26, 2013 10:00 pm
by Kelly O
If you have no assets and a limited income you may meet the criteria for a DRO - have a read using the link below and if you qualify contact an authorised debt adviser.
https://www.gov.uk/options-for-paying-o ... ief-orders
Posted: Sat Apr 27, 2013 1:33 am
by MelanieGiles
Do you feel that you have any level of disposable income to offer to creditors Elizabeth, if the payments were made more affordable for you?