buzz for boys
<font color=royalblue><marquee>Certified Serious S
- Joined
- Feb 6, 2005
Hi guys,
As some of you have helped me in the past and pointed me to the cccs im hoping you can give me ur opinions on their advice a kind of what would you do !!
I was origionally advised online to do a debt management plan but several lovely people on here advised me that an iva might be a better route so I phoned up the cccs and the lady went through everything with me and pointed out that all the debt was in my name but the morgtage is solely in my husbands and the cars are also in my husbands name she therefore said the debt problem wasmine and not a joint issue and removed my hubby and his income
The advice from them was then for me as an individual to go bankrupt
This was yesterday and im now on my 2nd night of no sleep as it stands at the moment we are up to date with all payments and only asked for advice as my hubby has had his hours cut dramatically at work and i knew for the duration of this we were not going to be able to pay full payments but bankruptcy ???
The advisor said I would not lose the house or the car because they are my husbands assets and not mine - is this really true ???
I feel that i neeed to pay the money back and my friends think im mad and should take the oppurtunity to wipe my debt with both hands - please be honest what do u guys think ?? Im so confused as to what is the right thing to do and to be honest also really shocked that this is considered an option for us as I didnt really think we were that bad
Thanks guys X
As some of you have helped me in the past and pointed me to the cccs im hoping you can give me ur opinions on their advice a kind of what would you do !!
I was origionally advised online to do a debt management plan but several lovely people on here advised me that an iva might be a better route so I phoned up the cccs and the lady went through everything with me and pointed out that all the debt was in my name but the morgtage is solely in my husbands and the cars are also in my husbands name she therefore said the debt problem wasmine and not a joint issue and removed my hubby and his income
The advice from them was then for me as an individual to go bankrupt
This was yesterday and im now on my 2nd night of no sleep as it stands at the moment we are up to date with all payments and only asked for advice as my hubby has had his hours cut dramatically at work and i knew for the duration of this we were not going to be able to pay full payments but bankruptcy ???
The advisor said I would not lose the house or the car because they are my husbands assets and not mine - is this really true ???
I feel that i neeed to pay the money back and my friends think im mad and should take the oppurtunity to wipe my debt with both hands - please be honest what do u guys think ?? Im so confused as to what is the right thing to do and to be honest also really shocked that this is considered an option for us as I didnt really think we were that bad
Thanks guys X