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angela f | What do i doi have no money and am up to my eyes in debt? |
i just dont know where to begin i have tried to work them out do you think citizens advice would help me |
 |
 
Frankie
 |
CAB are a good place to start, here is what they will do first.
1: Get together all the bills you have to pay to live: Food, Gas, Electric, Rent, Council Tax and look at where you can save on these.
2: Look at the other debts, and see where you can save or shuffle them, are they loans, credit cards etc.
3: Look at where you can get more money, if you are working, overtime, part-time work etc.
4: If you are on benefits, are you on the correct ones.
5: Why have you got yourself in debt, this may be the hardest one to face up to, is it Clothes, holidays, presents or what, and try to stop that issue.
6: The debt management agencies are the worst thing you can do, there are cheaper alternatives, you just have to look.
try http://www.nationaldebtline.co.uk
Good Luck |
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jititi j
 |
Three Suggestions 1) Consolidate your debts 2) File bankruptcy (bankruptcy is not advised for all cases) 3) Contact a credit counselor:
Ways to Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html
How to Avoid Bankruptcy Explained
http://www.debt-explained.com/category/How-to-Avoid-Bankruptcy-Explained.html
Credit Counseling Programs
http://www.complete-debt-info.com/category/Credit-Counseling-Programs.html |
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taketwo
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Yes I know for a fact that they special people to deal with this problem |
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maddie
|
citizens advice! do it! they will freeze the debt til it can be worked out what to do. don't go bankcrupt, it will ruin your life later. your better to pay it off. and you'll feel really greart about yourself when you've done it. good luck. |
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Topshopcitybeachbabe
 |
The citizens advice bureauwould certainly they will be able to point you in the right direction and give you some good advice and counseilling they might be able to give you some help on legal advice and how to handle your creditiors court letters etc.
In order for me to help you or in this case for you to help your self . You sre going to need to form a business like plan to help you. This is the information you will need for your financial plan
First of all are you married? Have you got kids ? Are you working? Are you claiming any benefits if so how much? all this information you need plus any letters and correspondance you have kept with your creditiots both from your self and from your creditiors county court letters judgements etc.
Do you own your house? If so is it a mortgage or free hold? or Are you renting or leasing a property? or Are you a council house tenant or a housing association one? .
You need to have all this information to hand. Have you signed on for work At you local job centre?
In terms of your creditiors once you have totalled the amount you owe to them work out roughly how much you can afford to pay each of them per month then write to them so and enclosing your first token payment.
Then each month agree with them that you will pay this token payment per month that way you will gain their trust and respect if that doesn';t work then seek lfree legal advice immediately.
You need to be very very careful for i was in the same situation as you if you fail to honour any agreements you could have your property reposessed by debt collectots or baliffs declared bank rupt etc.
No bank or building society or business will give you a mortgage or anyhting and your credibiltiy and credit wiorthiness witll go down hill affecting your prospects for the future.
what you can do in the mean time sit down make a list of all your creditiors then add up and see how much you owe alltogether , deal with the most important first like your home your mortgage the roof over your head and utilites etc. then do a spreadsheet of your incomings and out goings credit cards loans etc overdrafts.
This will help you get a picture then with all this information I have given you put it together as one enourmous business plan take it to the citizens advice bureau make the appointment quickly or even better go there in person because normally when you call them no one picks up the phone to answer and you could be wating for ages..
When you are at the citizens advice bureau demand to speak to an adviser immediately even sit down and wait there till you are seen .
When you do get seen eventually hand over this business plan and the information that I have asked you to give.thendiscuss your situation with them.
In the mean time look for a job see what benefits you can claim and try to make an effort to claim them.
In the mean time destroy and cut up all your credit cards, store cards and agreements cancel all overdrafts and close all your catalogue accounts and mail order accounts you have with companies cancel all unecessary expenses like subscritions to fashion and popular magaziones and things like spa or gym membership and stick to priority spending like your mortgage rent rates electricity food etc.
From now on deal with cash only and only have a cash card like a solo card or a visa debit card in future.
Good luck hope it all works out for you |
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♥fluffykins_69♥
 |
yes citizens advice will help you sort them out, make a appointment with them asap, you will have to take all your paperwork with you that you have recieved from the unhappy companies and any outstanding bills etc |
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asanewt
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First stop is citizens advice bureau, they will put you in touch with a debt counseller. You should not consolidate your debts. pay some off the most important ones. BUT TAKE ADVICE!! |
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al
 |
I am very sorry about your debt. Here is an idea that can make you some extra cash. Its free to use and it is not a scam i promise. I started using this site last month and i have made quite a bit of money with it. http://www.*************/index.php?ref=65808 |
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eflatsharp
|
What you mean is that you spent money that a] wasn't yours, b] you didn't have, and now you want somebody to bail you out. What did you spend it all on, and, more importantly, WHY, when you knew you didn't have it to start with. |
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**Dellydoo**
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Yes.the CAB will help. we have been there and they helped us out. It was a relief to get back opn track again.
just remember, dont spend beyond what you can or cant afford!!!
good luck. |
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'Dr Greene'
|
Spend more time working. - It's rough but it's the best way out.
(I spent two years working 7 days a week) |
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factorvalentine
 |
Absolutely! My mother works for th C.A. and has helped many people like you by talking through your full financial problems, the worst part is sharing that information with a stranger but I guarantee it will be worth it and you ll feel a weight has been lifted from you.
Its good that you want to help yourself as its very easy to bury your head in the sand and allow this situation to snowball!
Good luck. |
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internat y
 |
hi angela,
Firstly get a job or get a better paid job. second get the cheapest or most afordable accomodation. Thirdly look at all the options of getting one loan that suits you with the best pay back rates. Cut all your credit and debit cards up and do not spend more than you can aford. Citizens advice will help. |
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jacqueline e
|
Yes try citizens advice, also national debt helpline. There are ways out, be honest with your creditors, and any one who tries to help you. There are IVAs, ways of writing off a lot of your debt. Don't leave it, and good luck to you. Try this site, they really will help you.
www.nationaldebtline.co.uk |
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Hoa N
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Spend less than you make, control the urge for spend fansy tuff like plasma TV,new car, new fansy stuff you do not need.
Save up the memergency cash from 1000-1500 in case your car broke down or house need to be fix that able you to break out the debt cycle or credit card cycle. stop charge on credit card. List the smallest debt to largest. paying down the smallest, aattck the next one after finished off the smallest, like the snow ball effect. Start set aside 10-15% toward your 401k. In the mean time, start study investment the right way.
If I could do it, you could do it. at the age of 32, I already save 72000 in 401k, 30000 in cash account. it is not a brag, but fire up your desire to do it. If I can do it, you can. I countinue to save until one day I am able to work as an option not as an obligation |
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muggle
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Yes, the citizens advice will help work out what you have coming in and then going out. they can also write to the companies you have debt with and see if they can work something out. Give them a try, they helped my friend out really well.
good luck. |
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Cara B
|
I'ts definatly a hard hole to get out of. I really don't have alot of answers. one thing I did do was get a consolidation loan. that way I had only one bill to pay and one interest rate. It did wonders. heres a web site i ran across. good luck.
http://www.debt-advice-online.net/ |
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shAZ
|
If you have visa/store cards etc, cut them up! Contact all the companies/people that you owe to and they will most probably let you pay off a bit at a time.
You could get a loan from a finance company (make sure it is a reputable one!), pay off all your debts so you only have 1 payment to make each month.
Get a job if you haven´t already got one - if you have, have you time for another in your spare time?
Make a list of all your incomings/outgoings - check out what´s eating up the dosh. If there are "extras" that you treat yourself to - cut ém out! DOWNSIZE IN ANY WAY YOU CAN!
Once you´ve done all the above, then go to CAB - at least you would have tried to sort yourself and you won´t feel so depressed. |
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work4noman
|
I'm not offering a "get rich quick scheme", anything worthwhile and moral will take some work. Applying the information will allow you to earn an income within days.
Below is a link for information on how to become independent in a short matter of time. It has helped me tremendously on starting my own business. The book, inexpensive by the way, was written by a young, single, pregnant (when she started), woman named Holly Mann who gives a no-nonsense look at starting your own business. She gives exact details on how to start with no money and unlike other programs doesn't tease you to buy more expensive products. Her information is complete and easy to understand.
Take a look at the site for more information, no obligation.
http://work4noman.mannco.hop.clickbank.net |
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adam k
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because you waste your time asking pointless questions on the iinternet when you should be out working |
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john.janney
|
To access the list of government approved Consumer Credit Counseling Agencies who can provide Debt Management Plans, please go to:
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
However, some debt agencies require a minimum amount of debt before they will enroll a consumer into their program. If you do qualify, the CCC Agency will setup an accelerated repayment plan, try to secure lower interest rates on outstanding accounts (possibly reage accounts and get penalties waived), establish an automatic withdrawal from your bank (one monthly payment) and then distribute these funds to your creditors based on the repayment plan (DMP).
Be sure to visit the FTC's website about credit. They have good information about what to look for in a credit counseling agency (see links below).
If you truly do not have any income, you may want to talk to an attorney about Chapter 7 bankruptcy. Chapter 7 involves liquidating some assets (if you have any) to pay off as much debt as possible and then canceling the rest of your debt.
There may be other options to help you get out of debt (like credit counseling, debt management, debt settlement, debt consoliation), but if you cannot afford them, then what good are they?
Much depends on your specific situation, which is why you should speak with a credit counselor or an attorney who can look at your situation and advise you to the best course of action.
I hope this gives you something to think about, and I hope you find a solution to your situation.
Please visit the links below for some helpful information. |
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David G
|
spend less money. |
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Premdas
|
If you have no assets then go bankrupt. There is no stigma anymore and you wipe your slate clean. |
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