Its been a very long time since I posted on here. I got an email from tapatalk with this one and it caught my eye.
I`m from the UK and I`ve been through a similar situation as bankruptcy, it was more of a debt relief order. It was the second time I`d been in a lot of debt.
The first time was due to being chucked off ebay, hence I`m a member of this site, albeit this is probably the first time I`ve posted since I was first in debt. When I say chucked off ebay, I was chucked off Ioffer and Paypal and every other marketplace on the web at the time because of Paypal including my own website.
I made 45000 in six months, and then went all in on a big advertising campaign for my website, (as adviced by a mate, who was a financial advisor) and lost it all and ended up 18,000 in debt.
A charity called `Christians Against Poverty` helped me through it, and I paid every single penny back over a period of nearly seven years. And then a few years after that, I started a computer repair business up and that went tits up too. I got into debt with some of the big distributors like Ingram Micro and Enta, even had a run in with John Fisher from Microsoft.
So, only thing to do was to contact `Christians Against Poverty` again and they took me through a Debt Relief Order. Basically, a bit like a bankruptcy. I paid some of the debts off over a period of a year, and after a year anything left over was written off. You have to stay out of the borrowing game for around five years after that initial year as your credit score won`t improve. I found that out the hard way, but it took the last eight months to repair it using a credit card to build it up and now I own my own home, have a good job and a good marriage.
If it wasn`t for CAP, I`d be dead.
https://capuk.org/
You don`t have to be religious, and you can be from any religious backround or none. They will still help you. They won`t judge and they will get all the letters and phone calls stopped over a period of time. You`ll have to stick to a plan but you`ll be better off financially during it and afterwards. And they don`t charge you any money. Its completely free.
Give them a try. It won`t hurt.
