TinA – I owed at least that much at the start.
If you feel for one moment that they would go for your house , I think it maybe you could consider signing it all over to your dad’s name ? Is that something that is possible ?
TinA here’s what I did .
I had tried to get repayment plans with lot do companies and met with very unhelpful people.
Then one day I rang them and said – I have been on to step change and they said I should go bankrupt ( they did ) – is there any repayment plan we can work out because if I go bankrupt you get nothing because there is nothing? . Suddenly every one of them worked out a plan . That is quite a few years ago – many debts are cleared – a few big ones will run for years – but I have money to live comfortably and I no longer get calls or letters . And even the big debts aren’t so huge now .
My suggestion. is get all the letters in front of you and spend an afternoon ringing them all! He sooner you do it the sooner you have control in your life .
I guess it’s a good thing your siblings did that with the house .
Although I understand it was painful for you – imagine your pain if your dad’s house was sold .
Tina I think there is someone called Christians against poverty who can advise about debt and how best to sort it . Google and see if there is something similar close to you.