Hiya mate, sorry to hear your going through a rough time at the moment, things can only get better and you need to stay strong for your daughter.
There is a few things that you can do to get a property.
We lived in a council property and it was a shit hole, we had murder drugs and pedos all around us and we could never let the kids out with the fear of something happening to them.
We found that if you find a house that is dss friendly which we found ours on zoopla, we didn't need a bond and with me been on the sick like you with depression anxiety and panic attacks we got help from the state which pays our rent and council tax.
Going back into work right now with the amount of stress your under I wouldn't do, this at the moment needs to be put on the back burner until your ready to go to work, not just because you need money.
I am not one for fiddle work, but you could work cash in hand for a few jobs for friends and family. do servicing that is a job you could do at side of the road.
Keep you Steem in steemit as the price production is forecast to be huge at some time in the next few years, and if you take that out of your account you will be kicking yourself when it does.
Now bankruptcy sounds like your best option, and while you are on the sick you can do it cheaper than if you you are working as they help you with that, I think it is something like half the price or something.
it is not the best thing in the world, but it stops people chasing you for money, and in a year you can start rebuilding your credit.
a friend of mine went bankrupt and he is now a millionaire, (food for thought)
Things like this happen to all of us, it is just some people are more vocal about it than others.
I open my mouth where my misses would rather suffer in silence and it has a good balance to things if you get me.
The statistics that came from citizens advice this week was every two minutes some one in the uk calls them because some one is casing them for debt. that is a crazy amount of people each week when you add it up.
The debt to do with council tax will never go away but you can ask them to put a hold on it for so long "as you are on the sick" I know it sounds crazy but if you do speak to them, tell them the stress they are putting you under is making you want to end things. this give the guy at the end of the phone a pretty big shock and I have had a few in tears in my time from telling them this.
I hope you and your daughter stay safe. keep steeming while you have the time. and I look forward to reading your next post.
respect for enlightening us with this.
Your response has really struck a cord with me and I can tell I am going through something similar to you. All I have heard for a while is "you need to get a job and just crack on". I know you understand that it is all about timing and giving yourself enough respect to drop everything and look at repairing you own soul. I have been on that path for some time now and feel strong enough to try again. The worst part was when I didn't know my rights and was at the mercy of debt agencies. I despise these companies and will never let another one intimidate me ever again. Everything I own can be easily replaced and this has made a cathartic difference to me outlook. People don't get to see how those in debt are feasted upon by debt agencies and, worse still, payday loan-sharks. In my hour of need I was robbed of my last pennies by one of these companies, they promised me a loan and then did nothing but take my last £80 for administration fees, after they informed me they were just there to "find someone to loan to me". That moment was a real turning point for me and left a very bitter aftertaste towards the system.
My daughter has always been number one and she is my rock. I will come through this, no doubt, but thank you so much for your advice. The bankruptcy charges, I had no idea about. Maybe I should get that out of the way first. Also, does this mean that council tax can not be added to a bankruptcy order? It is the debt agencies who hold the debt now, not the council(not sure if that makes a difference?)
As a positive, I have just started dating a wonderful lady and she takes me for who I am, not what I have, and I hope this is the start of a new era.
Thank you so much for this reply, that meant a lot to me.
A friend of mine still had to pay his council tax, as it is the law he was told, I don't know really how it stands but back in 2009 I had a knock at the door from a council tax debt collector for the sum of £555, this was a debt back from 2001, I said to them that I believe this debt to be statue bar, as it is older than 6 years, I told him that my right as a person means he had no authority to enter my house, with in an hour I had 2 police officers from the court come to my house, I had a choice either pay the amount there and then or I was going to court to face jail time.
I tried to argue it there and then, but with a crying girl friend at the time and a baby of 2 years old i did not want to go to jail, so I had to phone around family and pay the £555, which took some doing.
I talked to a debt management company and they said to me that council tax is something that you have to pay, and there is no way around it, they did say that I could start a money order to pay all the debts through their company and the debt collectors couldn't do anything about.
I took on the debt plan and it was the worst thing that I could do, they took advantage that I was in debt and took a % of what i sent them to pay them selves.
every 100 i sent them they took 20 so that was money that I could have paid my self to get rid of the debt.
so going back many years before I meet my wife I met this girl, she was the hottest peace of ass I have ever layed my eyes on, she was great at everything if you know what I mean ;D
she had her own house and I moved in with her with in a month of meeting her, I was head over heals for this bird as I thought she was great, but my mates didn't like her. I should have listened at the time but I didn't.
I worked 40 hours a week at burger king as a duty manager and had a really good wage, she told me that she was pregnant and that we needed stuff for the house and for the baby, she thought that it was a good idea that I borrowed £15000 from the bank so we could sort it out. So I did, we bought everything new,
the house looked mint and I could afford the payments,
I went away on a lads holiday for 3 nights 4 days, it was a great time, when I got back I got a taxi from town and headed home, but when I got there the house was empty.
I tried to phone her but there was no answer, I had no clue where she was or anything.
I was left with a debt of £15000 and I was in a mess, I had a little breakdown and lost my job, didn't pay the debts and got my self into shit.
I had debt collectors going to my mums house to reclaim the money that I owed and I felt like a right dick.
I decided the only way was to run away from my problems, so I did, I packed my bag and for 6 years I moved from friend to friend and family to family member, every time there was a debt collector letter that came through that door, i moved on. till they stopped looking for me.
I had finally managed to escape my problems, then when I met my wife and settled down I got some letters through the post saying that I owed money, by now it totaled £35000.
I write letters to each of them and told them that the debt was statue barred and that they should stop contacting me as it was against the law. they stopped and after another year my credit rating had gone from poor to me been able to buy a house if I wanted. it was great.
So if you fancy moving around do that, as it is the only way they can't keep up.
But the council tax did follow me as this was when the debt collector and the police visited me, and it was from her house, even though it was not in my name because I was down on the house name it bit me in the arse years later.
any way life is good now, money is not everything your health is, don't go back to work until you are ready mate, get the bankrupcy sorted first and then go forward from there.
when you go bankrupt you will have an official receiver and if you make more money than they say to live on they will take that from you to pay the debts.
"A girl who is good at everything" haha! I like that :) Mate thank you for this, you have given me lots to think about her and I know you are speaking from first hand experience. Debts can get pretty depressing when you let them but as you said it is only money. I'll keep you updated bro. Thank you so much for this.
No worries buddy. Like you said it is only money, we are brought into a world were we are slaves to the system, it is all about making money. they brainwash us at school, they make you get a job, we are all just drones and nothing else to these companies where the rich get richer and the poorer get poorer.
Amen brother and I am glad to in a place where people realise this, at last. Lets hope for a breaking point someday.
If predictions are right we should be hitting $70 per one steem in 2020 so I have my fingers crossed that it happens. that would bail a lot of people out of crap all over the world.
Man.... That would really make a difference. I hope it happens sooner rather than later lol.