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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by FreshStart[/i] [br]Hello... Am new here and have read a lot of the posts which I have found very helpful. My husband and I are on the end of the line and we just dont know the way forward. Our strings of debt started of 6 years ago then it got worse over the years but last year and this year has been the worst... I owe around 10K in loan and credit card debts and my husband owns around 18K in loans and card, I mainly manage the money or lack of it and has been trying to pay one loan with another and at the same time still live life. We were already in a desperate situation around September last year and we can barely meet the minumum payments then luck just wasnt on our side. My husband got redundant, I had to stop work due to a fractured knee for a good few months, we had to move because the landlord had problems with the house that we were renting. During those times, we use our credit cards and has been fooling ourselves that when things get better we will be able to repay it so things just gone from bad to worst. My husband got another job but its not enough to even cover the minimum payments. We just got tangled, we applied for a loan last february in a dire attempt to manage to pay the minimum payment and still manage to live... but we had an emergency and had to fly back to my home country so we used up my husbands credit card and part of the loan. It is something we had to do due to personal family reason and it wasnt a holiday. We only went to my home country for 10 days and that includes a 56 hrs flight there and back so it wasnt a holiday at all.. I am scared what the OR will think of this. anyway, my point is we are stuck now, we have used up all our credit facilities and we cant afford to meet even the monthly repayments... I just dont know what to think anymore. Any advice would be appreciated. P.S. In my calculation we are in deficit by £700 a month. Were just sinking and sinking... [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.