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Hi all Need a bit of advice I've self managed what was originally £50K of unsecured debt to 7 Companies, some debt has been written off and a couple with 20% settlements (I drive a hard bargain) I still owe approx £30K paying between £1 & £15 pm now these all slowly reaching 6 years £25K over & £5K with a year to go They are all falling off my credit ratings which is great but my Q is what shall I do with them? offer a 10-20% settlement?? Any and all advice is appreciated
2K debt turned 30K by insolvency solicitors now threat of possession Hi, I desperately need some legal advice and I cannot afford a solicitor. A small debt has turned into a massive charge on my house by a firm of solicitors and they are trying to possess my house for what was a £2k debt but their turned it into £30k in less than a year. Both myself and my wife are mental health patients and have a child too. Scared to death we are. Please share or help directly if you can. We need a good lawyer to help us out of this nightmare... I can provide more details of course but here is in brief: - Lloyds tsb credit card debt more than 7 years old - my wife made bankrupt without us even knowing about any court - we are both mental health patients, severe anxiety and major depression, in 40s and active but anxiety blocks decision making and acting in time rather we suffer in silence and regret... - We have one child, - I've been told we can't get legal help in spite of not having a high income collectively ( - Insolvency sols have threatened to possess the house and it is just too much to bear, really... Any help or advice would be much appreciated.