Hi AA99
Having been on this site since March of this year i have really
learned so much , like you I too was at my wits end and not
able to pay anyone anything , first i went to CAB took all my
debts with me sat for maybe two hours and explained my case
I had no money
end off, they were great wrote to all my credit
card companys 14 of them also my loans companys, they did not
judge me which is wonderfull , what you have done is ask for help
here on this site no one judges you and if you need help and support
then ask, there is no crime in being in debt we all fall into things that
in hindsight we shouldnt have done ie live beyond are means take credit
because at the time we needed to get out of trouble and so it goes on.
Myself and my OH have a Business and six months ago thought the only
way out was Bankruptcy after comming home from the CAB withall the
details leaflets ect on B/R I went on the internet and stumbled into this
site. Now Im telling you things have changed since then now we are working are butts off here we have cut the staff right down cut the
things out that we dont need I still smoke and drink gallons of coffee
stay up late on this site learning watching others Threads BUT the big
thing is that if i need advice or a letter arrives and im not sure what to
do about it I post and ask even if sometimes no one replys I use the
Threads as a diary what ive found is that if i post what i think should
happen and no one replys then it must be ok .
AA you seem to be doing the right thing but by your post above seem
to have hit a brick wall in your mind , i have not read all your posts but
i did see you were offering £20..00 a month to some that seems a bit
high , I have offered £5.00 to all mine as they get sold off to DCA,s
If you have not got it you can not pay them no Judge in the land would
expect you to either , you need to keep the roof over your head and
feed the family they matter much more and remember that without
YOU
where would they be
.
AA I dont have all the answers
BUT i sure do know how you feel right now
I too got started sent off CCA & Subject Access Request to for all my lot and got on with
saving the Business then got really down and thought what am i doing
why am i bothering its not worth it .
However im still here and have had
so much support and help from the people on this site just take your time
and things will work out it will not be easy
Please remember that you and your family matter you canot replace them.
If i can help in anyway please ask or pm me
wishing you all the very best
Cheers Tonka99
AA99 v So Many, now looking at bankruptcy 
