I have a lot of debt.
I can't go bankrupt willingly as CCCS said I should, as I will lose my rent agreement on my house and I have 3 children, the eldest is disabled.
I paid all my debts solidly, (borrowing from Peter to pay Paul) until a couple of months ago.
I sold everything I had to pay for them as well.
Now I've just stopped paying as I can't do it anymore.
I have nothing left to sell.
I have also recently been diagnosed with Bipolar-disorder and, yes I spent an awful lot of money during my highs,
which I then tried to recuperate by selling during my lows.
I now have my partner looking after all the money (benefits now), but it is in my name as I have to be the one to claim it.
I have personally £20 per month to pay for anything personal, which will include my debts that I ran up during my highs.
How can I explain to the creditors/court that the money that comes to me in the form of benefits is for my children and partner as well, and not just mine?
As if you look at the money that goes through my bank, it looks like I have enough to pay my debts, when I haven't.
If I changed cetain benefits to my partners accounts would I still have to say this was mine on the budget sheet?
Can anyone please give me any advice on this, as I haven't contacted any of my creditors since I stopped paying them and really need to try and sort this out.
These debts have been totally run up by me and not my partner- who now looks after the money so we have enough!