08-30-2012, 09:32 PM
Wow, very touching. I don't know the laws in the UK very well but, maybe you could find a debt counseling service that offers free assistance in consolidating and paying things down slowly with payments you can afford or, and yes it's no fun, file for bankruptcy.
That is no picnic to be sure, and it leaves a stain on your credit for years to come, but, you can move beyond that. I did it back in 1990, never know it to see my credit today though. Same sort of situation, a partner left me with no other way to survive. Yes I went with chapter 13 (here in the USA that means you are giving back all you can and declaring you are unable to pay any amount of any of the debts you include in the bankruptcy.) I lost my car and the semi I was buying at the time, but I saved the small bit I had in my bank account and, I prevented anyone from garnishing my pay check.
Also ruined my credit for the next seven years - no chance anyone was going to give me credit to pay for anything. So where did that put me today?
Today I own my home and the five acres it sits on, I own a pick up truck and a new Malibu Eco - free and clear, no loans, mortgage or anything on those. I own a canoe and am building my own fishing boat. My net worth is just a bit over 1,000,000.00 US dollars, credit rating is excellent.
Why am I telling you this? Because, I want you to know that, even as bleak as it looks now, it is possible to get through it and, come out shining and, smiling. Was it easy, no, lots of hard work, scrimping and saving at every corner I could, lots of sacrifices, a long struggle but, it can be done.
I believe in you, you have what it takes to do just what I did because, you see, I'm nobody special, just another gay guy that lost it all when he came out, then screwed up his finances big time and, lost it all a second time. If I can do it, anyone can and you are somebody - you're you and that's all you need to be.
That is no picnic to be sure, and it leaves a stain on your credit for years to come, but, you can move beyond that. I did it back in 1990, never know it to see my credit today though. Same sort of situation, a partner left me with no other way to survive. Yes I went with chapter 13 (here in the USA that means you are giving back all you can and declaring you are unable to pay any amount of any of the debts you include in the bankruptcy.) I lost my car and the semi I was buying at the time, but I saved the small bit I had in my bank account and, I prevented anyone from garnishing my pay check.
Also ruined my credit for the next seven years - no chance anyone was going to give me credit to pay for anything. So where did that put me today?
Today I own my home and the five acres it sits on, I own a pick up truck and a new Malibu Eco - free and clear, no loans, mortgage or anything on those. I own a canoe and am building my own fishing boat. My net worth is just a bit over 1,000,000.00 US dollars, credit rating is excellent.
Why am I telling you this? Because, I want you to know that, even as bleak as it looks now, it is possible to get through it and, come out shining and, smiling. Was it easy, no, lots of hard work, scrimping and saving at every corner I could, lots of sacrifices, a long struggle but, it can be done.
I believe in you, you have what it takes to do just what I did because, you see, I'm nobody special, just another gay guy that lost it all when he came out, then screwed up his finances big time and, lost it all a second time. If I can do it, anyone can and you are somebody - you're you and that's all you need to be.
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