OK, here goes .... im in about 30k in debt, all in my name. We are on benefits as neither of us are working, in fact my hubby hasnt worked for the past 12 years and refuses to get a job. We live 12 miles from the nearest town and I dont drive (no public transport) so ive no chance of getting any work, and ive got 3 kids to look after too (hubby doesnt do much at all really ) The debt has built up over the years with me trying to keep a car on the road so we're not prisoners in our own home and so the kids have some sort of normal life and can go to after school activities etc. I cant cope with all this debt anymore. Somehow ive been managing min repayments, but now its got to the stage im having to pay for food on credit card as repayments take ALL our money.
I think that bankrupcy is my only option to get out of this mess, but im really terrified. Ive only ever told my hubby about this before (not that he seems to care much or he would be out looking for a job). Im so ashamed that things have got this bad, and the thought of having to go to court and having to explain all this scares the s**t out of me, I mean isnt it pathetic for me to have let things go this far?
So, has anyone got some advice for me please? Do I need to go to court and explain exactly how I got into this amount of debt? Is it in front of a judge (im shaking even thinking about that). I cant sleep for worrying about this all the time, I just need to get things sorted out, but im terrified of having to explain it to someone in person (my confidence has really taken a hit over the past year or so with all this stress)
Sorry for rambling on but this is the first time ive admitted this to anyone except my hubby!
Im in Scotland if that makes any difference to how things work