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How do people deal with fear of creditors


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Found this thread this morning, while trying to find some help on Bankruptcy and Mental Health issues, got wind that one of our creditors who does not have a copy of CCA only an application form, invalid default notice also is going to make my Husband Bankrupt for approx £20,000.

 

Dont want to mention the DCA as yet I know they monitor this forum intensively.

 

Have been reading through the forum and found a few Statutory demand cases on CAG and it seems some DCA are getting the Bankruptcy through the courts even although they dont have the CCA

 

They were good at dishing the finance out a few years ago, without checking our income.

 

His state of physical health and mental health with severe depression to the severity of not wanting to be here anymore, is really bad and has been for some years, we have quite a bit of equity in our house and are scared they will take our house away from us, cant increase our mortgage our we would to pay these debts off.

 

Can anybody advise us what to do when they send Statutory Demand please.

 

AFW

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2422.. I am going to move your posts and the responses to a thread of your own, in the legal issues forums - that way you will get advice suited to the situation.

 

I will send you a link to the thread :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?337141-What-to-do-when-a-Statutory-Demand-is-issued

 

Link to afw's thread.. any advice would be much appreciated.

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