order to attend court for questioning

[i remember sleeping]

Hello All,

 

I have for the first time today in my life been in a court to explain my debt ,i have just under 40,000 outstanding and no means to pay it ,i have been told that bankruptcy would be the most advisable course of action and that was from the court officer who told me they are not supposed to give advice but i was more than nervous this morning,i have been divorced from my wife for 6 years and have my 3 children living with me in council housing ,i work full time and earn just under 18.000 a year i have no assets,i don`t really know if this makes sense ? i hide it from my kids but im not feeling so good these days and don`t sleep so much, i should say that my x wife is a raging alcoholic and has run up debt not only in my name but also in my 2 eldest childrens names.its not about the blame game just wondering if there actually is a way out ????????????

 

thanks for reading

[the_shadow]

Hi and welcome to CAG... can you give us some rough details of the debts, what kind of debt are we talking?

 

Also who took you to court?

 

S.

[i remember sleeping]

Hi the_shadow,

 

the list is as follows

 

1-former employer over payment of wages-£31,002.99

2-barclays bank-£702.23

3-barclay card-£2640.30

4-orange personal communications-£1077.42

5-hfc bank-£480.16

6-anglian water-81.58

 

it was the solicitor acting for my former employer that took me to court

 

i am waiting for a copy of my credit file to come so i am sure i`ve covered everything thats outstanding

 

thanks for the welcome

[Conniff]

How old are the children ?

[i remember sleeping]

kids are 21 18 and 12 .

[Sidewinder]

What was the nature of the employment overpayment?

[i remember sleeping]

What was the nature of the employment overpayment?

 

i had a nervous breakdown and was dismissed they kept paying me not the best situation .

[i remember sleeping]

two years later after trying to pay the biggest debt off at the rate of 40.00 pounds a month and ignoring the lesser debts, its time to call it a day as my cost of living has gone up but my wages have not its all become a big struggle ,will be looking to go bankrupt and cease this nightmare any advice appreciated .

[ChChing]

Bankruptcy is probably your best option as you've got no assets. It'll also wipe the slate clean. It's a no brainer if you ask me.

[National Debtline]

two years later after trying to pay the biggest debt off at the rate of 40.00 pounds a month and ignoring the lesser debts, its time to call it a day as my cost of living has gone up but my wages have not its all become a big struggle ,will be looking to go bankrupt and cease this nightmare any advice appreciated .

 

Hello there,

 

Here's a link to our bankruptcy fact sheet, it outlines to key points: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=01_bankruptcy

Are you in rented accommodation? Have you any assets?

 

If you haev any questions please feel free to give me a shout.

 

Best wishes,

 

David @ NDL.

[i remember sleeping]

Hi Dave and thanks for the link,i have a car worth 600.00 and rent from the local council,just trying to find all current demands for payments and find fee for going bankrupt ?

[SweetRita]

Hello, I am a first time user and would like to post regarding Small claims court papers served on me on the 17th of February. Is this the correct place to post?

Thank you

[citizenB]

Hello SweetRita,

 

If you click on the link below, it will take you to the correct section of the site to post. I see you are also having problems with "tags" in your thread title. Can you let me know exactly what you are trying to include in your title ?

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?170-Financial-Legal-Issues