- Tue Dec 03, 2013 10:12 pm
OK this are what they call live debts, that is one that they can take legal action on if needed, so you are really need to think about dealing with them.
If you ignore them then they may more them to CCJs that way they can chase for a long time.
There are a few options open, but that does mean that you need to deal them, but remember this fact, you have no assets so there is nothing much they can do....YOU are in the position of strength.
As you are earning I would suggest that you chat to one of the organisation listed below, there advice and support is confidential and free (yes I did say free). With them you can talk openly and they will be best placed to find a workable solution for you.
But at thsi stage with the overdraft and the insurance debts it may be possible to get them paid at as little as £1 a month each!
We can talk you thought how to do this, but with one of the organisations below there is a LOT more clout, especially with the insurance ones, these are not the normal type Consumer Type Debt.
Have a natter with them, see what you think and please come back and ask all those "What if" or "Opps I forgot to mention" type questions.
PayPlan: Is a national organisation with approaching 20 years of experience in dealing with all kinds of financial situations, no matter how bad they are.
Their advice and help starts with a simple phone call to 0800 280 2816
NDL: Is an organisation that advises you on solutions that are available to you, you can contact them on 0808 808 4000
StepChange Is an organisation that advises you on available solutions with your financial problems. You can contact them on 0800 138 1111