Hello

[Wanttobehapppy]

After taking advice from cab and having a look at all my other options iva’s etc i have declared myself bankrupt, because im unsure at what money i will have coming in i cant contact any of my creditors to arrange any reduced payments, its official now ,got a interview on Monday with the insolvency people which i am dreading, over the past few days ive been seeing the crisis team here in lincoln which have been a big help,there’s a charity here called p3 which can help me with my money, any benefits i may be able too receive, i may contact them and a appointment with better together which im hoping will help me, going to try mindfulness and relaxation techniques.

Go a bad chest infection so feeling very tired don’t seem to have the energy to do anything but write this just watching sunday films.

James

[Suzie40]

Hi James, sorry to hear you're not well. I'm glad you've found the crisis team helpful - I've been in touch with mine recently but just on the phone.

Being in debt is a horrible feeling, but once the bankruptcy is underway you will hopefully start to feel better.

What films are you watching?

[Wanttobehapppy in reply to Suzie40]

Hello and thanks for the reply i hope your well.

Been watching the f1 forgot it was on.

Feeling very tired and looking forward to a nice bath this evening.

What you been up to

[Suzie40 in reply to Wanttobehapppy]

Sorry for the late reply, been doing school work. I’m a teacher and have just had two weeks’ off! Not looking forward to being back tomorrow!

[hypercat54]

Hi how awful for you. One thing the CAB should be doing is getting you to do a list of all your incomings and outgoings. Once they have this and don't have the money to pay your creditors back they can contact them. By law they have to agree to either write this off or let you pay back a nominal sum ie £1 a month or something.

This is what they did for my sister when she was heavily in debt and it helped a lot.

However if they won't do this you can do it yourself by sending them your list and offering them a nominal sum. x

[Wanttobehapppy in reply to hypercat54]

Thank you for your reply.

They have offered this but having a large amount of debt over me was just making me worse with my mental health, i feel this way the debts will be sorted I understand there could be some payments to make for a short period but income is a problem, as my debts are way over £20000 a debt management plan isn’t a option unfortunately, i have tried, I understand why your sister chose this route.

I just need to wipe the slate clean as to speak and in time i can get myself back in to work and lead a normal life.

Thank you for taking the time to respond i do appreciate it.

[Wanttobehapppy in reply to Wanttobehapppy]

Will be going in to job centre to see about my application for universal credit/new style esa on ssp at the moment, been working for well over 19 years and the benefit system is very confusing for me.

[hypercat54 in reply to Wanttobehapppy]

Well if you only pay a nominal sum it will take the pressure off you at the moment, and when you are working again that is the time to pay them off. x

[hypercat54 in reply to hypercat54]

gov.uk/

[Wanttobehapppy in reply to hypercat54]

Good advice and thank you.

Will ask whether i can do this tomorrow as ive a phone call from the insolvency people.