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 I've cut back as much as possible on my outgoings		  New Topic  Reply to Topic
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steven.py
Starting Member



2 Posts
Posted - 11 December 2009 :  21:21:45  Show Profile  Visit steven.py's Homepage  Reply with Quote
I've cut back as much as possible on my outgoings but the total surplus is -£15.00 per month. what are my options left to pay the creditors.

Jan Lee
Forum Expert



United Kingdom
79 Posts
Posted - 11 December 2009 :  23:15:01  Show Profile  Reply with Quote
Hi Steven and welcome to the forum.

Are you saying that you have no surplus money at all to propose a debt management plan to your creditors?
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steven.py
Starting Member



2 Posts
Posted - 19 January 2010 :  22:38:27  Show Profile  Visit steven.py's Homepage  Reply with Quote
Thats exactly what im saying,
I've been going through a very messy and expensive divorce, and the dept ive accrude is mainly due to the divorce. paying solicitors etc. My current income does not cover the court order maintenance, the total payments to my creditors and not much left for me to live on.
So what can i approach my creditors with.
Im desperate now please help.
quote:
Originally posted by Jan Lee

Hi Steven and welcome to the forum.

Are you saying that you have no surplus money at all to propose a debt management plan to your creditors?
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Jan Lee
Forum Expert



United Kingdom
79 Posts
Posted - 20 January 2010 :  22:57:06  Show Profile  Reply with Quote
You could tell your creditors of your current situation and ask if they will accept token payments for a while as you sort yourself out.

Do you have any assets which would be affected if you declared bankruptcy? This is another avenue you could look at.
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