Thank you so much for posting this thread and for the chat which I found very helpful. It was nice to talk to you and meet you. I think it would be useful to have this thread to track your progress and any issues that arise. This will help other,people who are going through the same. One of the things we get in this situation is lot of conflicting advice and I have to say from some of the the experts, in my experience, wrong advice.
An example is that everyone recommends stepchange but stepchange will not deal with inland revenue debts and refer On to business debt line, who will ony provide advice and not do the same thing as step change do re budgeting and supporting debt management plans.
I for one have had to get support to apply for a charitable grant to file for bankruptcy. My post gambling situation means no income left to even pay five pounds a week.
I have had this debt for many years but it all could have been paid off I I had not gambled. Over the years, I’ve been ground down and down by the debtsand was sick and tired of constantly dealing with creditors all the time and each and every time circumstances change which in my case was frequent.
There were other things that contributed to my depression, but I have no doubt that debts were a very big part of it.
Again ty, and I will post questions on here re filing for bankruptcy as and when. Good luck with the process and I hope it all goes smoothly. You have manyyears nowinwhich to rebuild your credit. Hope we speak again soon.
