|
|
| The independent answer to your debt problems | login join |
|
ARNIE418
| 28-10-2008 12:24 PM |
|
Joined: 28 Oct 2008 Posts: 4 | I am debt to the sum of around £12,000 and I owe to 9 creditors. I am just about managing to pay the repayments but my genral living expenses are minimal and I am finding it increasingly difficult to make ends meet, what with bills keep going up. I am not enough debt to get an IVA, I cannot afford to go bankrupt, I don't really want to go bankrupt as I might loose some of my possesions which are important to me. I have negociated repayments with some of my creditors but still keep getting hassled by others to pay more, which I simply don't have. I am now on Incapacity Benefit plus a small works pension. I haven't worked for 2 years. My debts have caused depression and I need to know what help, if any I can get. |
| paladin | 28-10-2008 02:23 PM |
|
Joined: 06 Jun 2007 Posts: 99 My Profile | Hi Arnie welcome to the forum Could you do an SOA for us and make it visible as we need to know where all you is going before we can talk about your debt issues. Could you also give the type of possessions you may fear you'll lose as a result of bankruptcy. Many people have the wrong idea about what can and can't be taken in bankruptcy. Cheers P |
|
ARNIE418
| 28-10-2008 02:48 PM |
|
Joined: 28 Oct 2008 Posts: 4 | I have now completed the SOA. The items I am worried about are my laptop + printer. I need these for contacting people and although they don't belong to me I can't prove that. (They were loaned to me by my ex wife). I also have the usual things liek TV, DVD. Freeview box, Hi-Fi and although I would not like to lose these, I could live without them but not my computer. |
| paladin | 28-10-2008 03:10 PM |
|
Joined: 06 Jun 2007 Posts: 99 My Profile | Arnie you won't lose any of these. Can you make your SOA visible. You can do this in your profile. For more information about bankruptcy read this article. http://www.debtwatchdog.com/the-effect-of-bankruptcy-Article-108.html |
|
ARNIE418
| 28-10-2008 03:56 PM |
|
Joined: 28 Oct 2008 Posts: 4 | Sorry, I can't see how to make my SOA visible, have checked my profile page and can't see anything on there. Please advise how this is possible. Regards Arnie |
| DW George | 28-10-2008 04:16 PM |
|
Joined: 01 May 2007 Posts: 195 My Profile | Do you have access to your profile page? If so just below the words "things to do" you'll see "edit your profile", scroll down and check the box "Make SOA Visible". Let me know if you have any problems. |
|
ARNIE418
| 28-10-2008 04:50 PM |
|
Joined: 28 Oct 2008 Posts: 4 | Sory to be a nuisance but I can't see what you mean it lists edit profile {which gives me a page for DOB and passwords changes] edit subscritiions edit avatar Nothing on there to say "make SOA visable" that I can see. There is a heading saying that I should have at least 10 points to make my profile visable. Regards Arnie418 |
