unemployed with debt

[Kevin B]

I’m unemployed and living with and off my partner’s private pension. I ain’t entitled to any benefit. I have several debtors who I owe approximately £15.000 I can’t pay anything, I don’t have any income, period, how can I make this debt go away. Please advise. KB

[MIKE770]

it will not go away BUT sit down and list who owed/credit card? etc dates and default dates, last paid and keep list of each alledged debt in date order then we can see the true picture, that amount of alledged debt is suspect on affordable lending Iines maybe??

[Kevin B]

I’m still unemployed from last year and unfortunately I’m not entitled to any benefits as my sons and daughters pay my rent and house hold bills
Two of my loan companies have sold my debts on to an collection agency and another is threatening CCJ action I’ve tried to find work but at sixty two it’s hard

[MIKE770]

#2 Above

[echat11]

The debts mentioned aren't priority debts, a court will only ask you to pay what you can afford to pay each month, so if it's £1 so be it. All you need to do is fill in a income and expenditure form to demonstrate that your outgoings are more then your income. You need to provide more information on the debts as suggested by Mike.

[Kevin B]

Thank you ECHAT11 is it the court who will send me the income and expenditure form or do I need to ask the court
thanks again for you help

[echat11]

Thank you ECHAT11 is it the court who will send me the income and expenditure form or do I need to ask the court
thanks again for you help

You can prepare the income and expenditure form yourself, don't wait for your creditors to send you one.

https://www.citizensadvice.org.uk/de...udgeting-tool/

Send it to your creditors (get proof of postage) with the following letter (amend the letter to suit your circumstances).

https://www.citizensadvice.org.uk/de...tors---letter/

[Kevin B]

Thank you ECHAT11 is it the court who will send me the income and expenditure form or do I need to ask the court
thanks again for you help

[Kevin B]

Thank you ECHAT11 will do
thank you for your advise