A
anniearkins
Guest
Hello, posted earlier but I did something wrong, so here goes.
I owe 27,000 in debt, I was managing ok with repayments but had to leave my job two years ago to become my mothers carer. Up until then, no arrears. Shortly after, they built up very quickly.
Through help with mabs, I now pay €35 weekly to the debts. As I receive 204 per week on carers allowance, the repayment is small enough but I am genuinely starting to struggle again, just little things, a pair of shoes last winter as my boots were letting in, underwear, a winter jacket/coat, or something needed for my home, such as the bathroom tap broke, I couldn't pay for it to be fixed, as every penny is calculated to the last cent with mabs, there was nothing to pay a plumber.
I know 35 seems nothing to people paying huge amounts on mortgages and families with larger bills, but it's a lot to me from 204 weekly.
Basically, I don't really understand the debt insolvency thing, I don't have a car, property or any assets. At the rate of paying 35 per week, it will be a long time before the debt is completely gone. I don't drink, don't smoke, don't socialise whatsoever. I can't cut back anymore than I have. So after all that explaining, does anyone know if I can apply when it comes into effect?
Nearly forgot, no dependents anymore and I am single if any of that matters
I owe 27,000 in debt, I was managing ok with repayments but had to leave my job two years ago to become my mothers carer. Up until then, no arrears. Shortly after, they built up very quickly.
Through help with mabs, I now pay €35 weekly to the debts. As I receive 204 per week on carers allowance, the repayment is small enough but I am genuinely starting to struggle again, just little things, a pair of shoes last winter as my boots were letting in, underwear, a winter jacket/coat, or something needed for my home, such as the bathroom tap broke, I couldn't pay for it to be fixed, as every penny is calculated to the last cent with mabs, there was nothing to pay a plumber.
I know 35 seems nothing to people paying huge amounts on mortgages and families with larger bills, but it's a lot to me from 204 weekly.
Basically, I don't really understand the debt insolvency thing, I don't have a car, property or any assets. At the rate of paying 35 per week, it will be a long time before the debt is completely gone. I don't drink, don't smoke, don't socialise whatsoever. I can't cut back anymore than I have. So after all that explaining, does anyone know if I can apply when it comes into effect?
Nearly forgot, no dependents anymore and I am single if any of that matters