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fritz_le_cat | If i have £12,000 debt to credit cards. a £20,000 mortgage. And live in Scotland. Is going bankrubt an option? |
i don't want to lose my house. but don't want to spend next 3-4 years clearing C.card debt.(i'd like to reduce my mortgage instead.) thanks for any advice.
Additional Details
thanks for all the answers, even the shitty ones... was havin a bad day at work and realised i'd prob paid back 5-6000 in past 2 years with min payment. and still have big debt. so threw my question in to see what people thought.... will see Citizen advice soon. prob get a bank loan. thanx for the good answers which didn't judge me, but tried to offer advice.lol |
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Steve F
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Get a consolodation loan from your bank or remortgage to clear your cards.
Then it's will power, no spending too much, curb it, tighten your wallet straps and try put a little away.
you have no large debt I can see.
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Thomas C
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you have to laugh at these idiots gloating at you. God forbid someone should borrow money off some multi million company and then due to personal circumstances not be able to pay it back.
I've been where you are. I had £17,000 of unsecured debt and a house. Lost my job and couldn't pay - obviously I should have been sent to debtors prison to serve my time, but we do actually live in a civilised society these days.
Basically, your best bet is going into a voluntary arrangement - there's a Scottish version. I was in Scotland at the time.
You'll pay back everything you can afford. Just don't default on your mortgage!! That's the one they can take your house off you.
That's the reason these other ones are called 'unsecured'.
The worst thing they can do is issue court proceedings and then take out an 'attachment' against your house, which means if you ever sell it then they get to take their money out of what you sell it for.
type into goodle - consumer credit counselling service or national debtline.
they are the two govt recongnised ones who will help you without ripping you off.
don't go to a dodgy debt management company who take a cut every month. |
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COLIN T
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It is so easy for people to criticise you isnt it. They have no knowledge of why you owe at the level you do, they might be earning twice what you do.
Dont go bankrupt if you can possibly avoid it. the repercussions last for years. Talk to your local Citizens Advice Bureau, they meet these problems daily. They might suggest a consolidation loan at a lower interest rate than your credit card charges, or a re-mortgage. When you get into debt the banks are the least helpful people around but citizens Advice are good at arranging payment plans etc. |
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alatoruk
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if you go bankrupt you will lose your house.
and realistically no judge is going to sign the bankruptcy order with only 12K worth of unsecured debt. How much is your house worth, might a re-mortgage not help? |
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jackie m
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In scotland it is better going insolvent than bankrupt but do you know if you do either and you are working or return to work you pay some of it back, it will stay on your files for 7 years and it also affects job applications. Think twice before going down this road. Your lucky its only 3 years to clear credit cards, I will be about 8 years, just in time to get my pension. |
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JT
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Going Bankrupt automatically means handing over your assests to the Official receiver, this includes your house and car.
If there isn't much equity in home you may be able to keep it though it will remain the Official receivers property for 3-5 years.
You can keep your car if it isn't worth much or if it is essential to your job. |
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James M
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Nah, don't go for the bankrupt route. I'd suggest you max the c/cards,buy a canoe and then disappear for about 5/6yrs. I hear Panama is good this time of the year.
Seriously, go and have a chat with the CAB, they're best placed to tell you your best option.
As for the others with their judgemental and patronising answers.It must get very lonely living in their ivory towers.
Your debt dont seem that much, but if its too much for you then its too much for you. |
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Sbh
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FIRST. Going bankrupt should be seen as last resort, not an option. It has long term affects, even after you are discharged.
SECOND.Don't even think about reducing your mortgage until you have paid off your credit cards. The interest you accrue on the cards will far exceed any benefit if reducing your mortgage.
Better by far would be to remortgage or convert the card debt to loan & pay back your whole debt at a much lower interest rate.
If you only pay the minimum on your cards the debt will only reduce by a little, if any each month & in 3-4 yrs you could still be in pretty much the same position!
If you remortgage that is the cheapest way to borrow, you can pay off lump sums in the future, or make higher monthly payments, which will shorten the overall term of the mortgage. If you take this route just check that the mortgage you choose doesn't charge penalties/fees for making these extra payments. |
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jaeck76
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you spent 12grand of someone elses money over whatever period that was but your not willing to pay it back over 3-4 years dont you think you need to look at yourself you selfish person get a grip and grow up if you pay it back you will keep some kind of credit rating or you can go bankrupt and not get any knid of credit or credit for the next 10 years think carefully |
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Caine7SFG
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Don't run up debt with no way of paying for it..You cant have your cake and eat it, pay your debts you scumbag. We all have to pay for you if you declare bankrupt, hope you loose everything with an attitude like yours..
You will just have to pay what you have spent, do you really think you can just spend and then leave it to someone else you waste of space, "I just want to reduce my mortgage" oh poor you, grow up you sad case.. |
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