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    Please help me. My mum is in a lot of debt(5k) and she's very depressed and talks about killing herself a lot. She is a single mother with no one that could help or assist her. Are there any charities that assist with debt repayment?
    I'm very scared one day I'll come home from school and find her dead
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    http://www.talkaboutdebt.co.uk/commu...vice-charities

    also the Samaritans:

    http://www.samaritans.org
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    Oh my God, I'm so sorry you're in this position. :hugs:

    How old are you?

    Is there someone at school you can talk to? Do you have any relatives? This isn't something you should have to be dealing with alone. It isn't your job to.

    I do think there are charities that can help those who are in debt, but moreso, I think your mum's depression needs to be seen to. Are you still recieving the care you need?

    Hope you're doing okay. :hugs:
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    I know what this is like. Talk to her, and for gods sake get her to a therapist
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    support her like right away tell her to stop thinking about it
    get family members to help also
    no one should go through that and I am talking about both of you xx

    I will pray for you and your mum xx
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    GP first

    various debt advice around start with CAB or with the link the bear gives above
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    (Original post by Anonymous)
    Please help me. My mum is in a lot of debt(5k) and she's very depressed and talks about killing herself a lot. She is a single mother with no one that could help or assist her. Are there any charities that assist with debt repayment?
    I'm very scared one day I'll come home from school and find her dead
    Ok assuming this is real your mum or you need to book an appointment with either a debt specialist at CAB or she can go online and talk to someone at stepchange, which is a debt specialist charity.

    What you need to tell her is that she can get help and adbice on how to deal with her creditors. they cnat force her to pay more than she has, so she will be able to pay rent for food etc and then only whats left over will they be able to ask for even if thats £5. Honestly ive dealt with clienst who owe many times what your mum owes, so its a lot to her, but to the banks and her creditors it wont be that much.

    She needs to speak to someone so she can get reassurance the nasty letters are just meant to intimidate.

    She can find her local CAB here
    https://www.citizensadvice.org.uk/ab...tizens-advice/

    She can contact stepchange here and they will tlak her through making a budget plus guidance on talking to creditors.

    http://www.stepchange.org/
    0800 138 1111

    Show her this post if you want. The situation can be dealth with.
    If you wnat to PM me feel free and I will tell you what she needs to do.
    • Very Important Poster
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    OP do make sure your mum contacts people in my post, she can save herself a lot of stress.
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    GP first, citizens advice next. Also the charity framework is able to offer support workers in some areas for people experiencing financial and mental health difficulties. The support worker can help that person to contact all the people they need to in regards to the debt.

    The debt, though large to your mum, is small enough that there are many options out there even if she has no income coming in. Getting CAB and framework (or similar) involved can help stop the interest and the threatening calls/letters from debtors. I declared myself "bankrupt" at 22 through a debt relief order and I totally understand the pit that debt can make you fall into. A lot of the problems were because every time threat of baliffs etc came through the letter box, my entire body would just shut down. I couldn't cope with that amount of stress.

    The best thing I did was seek help. For mental health stuff and for debts. When I fell into debt again due to waiting for dwp and stuff, the first thing I did was speak to the relevant organisations. This time, the debt was managed faster and the payment plans were put in place.

    One thing to remember is that if bankruptcy is declared, they don't get their money. So it's in a creditors best interest to allow a manageable repayment scheme so they can recuperate the debt. Even if it takes longer.
 
 
 
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