Hi Monica ,
Thank you for posting on my thread – those replies mean such a lot to me – yours are always positive and encouraging .
I am here feeling sorry for myself , and feeling quite crippled by anxiety when I read you have zero for Christmas – it gave me perspective . There is a reason for my anxiety (which I will talk about in group ) and I know it will pass- just sometimes it’s hard when we are going through stuff.
Monica , if my understanding seems very simplistic forgive me – but it seems to me that you need to rent before going bankrupt . I spoke to stepchange some years ago – actually spoke to them a few times over the years – and each time they told me there was no way out except an IVA or bankruptcy- I did neither .
Even though I had previously set up repayment plans , I rang the companies again , told them I was on the verge of going bankrupt and they gave me another chance -some of them even decided to put my account on hold because I couldn’t afford to pay but i insisted on paying a little – ring them – be honest – see what they can do for you . I also prayed first so it seems to be that God pointed me towards the right people – in the past I had spoken to rude unhelpful people in the same companies . Once I had one company on board it gave me leverage with the others.
Anything is worth a try – when u can pay u will.
I had thought they would not listen because I had been there so many times but I think if you are genuine they will listen .
Worth a try and would lift a huge worry .
Stepchange follow a formula – it would have been a huge mistake for me to have followed their advice-
I sill have debt – it’s being paid a little a month – but I don’t have calls or worries about debts – I have a little peace of mind .
Don’t give up – there are other solutions .