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Bankruptcy / Would appreciate some help please
« Last post by Mamiebraws on Jan 18, 2020, 06:30:59 PM »
Hi clubbers,

One of your members has graciously agreed to help my cub scouts learn to play disc golf next Monday, 9/26 and provide some equipment. They suggested I might also post here to get one or two more volunteer instructors.

Would anyone be available to help?
Dealing with Debt / Low Credit Score
« Last post by Paulinenar on Jan 16, 2020, 04:46:03 AM »
In my county, apartments are hard to find due to the small living space that Skagit county has. I should be pushed into homelessness due to a bad credit score.
Its the free market at work, baby. Gotta love capitalism.
Bankruptcy / Would appreciate some help please
« Last post by FlowingOne on Jan 13, 2020, 10:47:05 PM »
Hopefully someone can advise.

My husband and I have been married for many many years and owned our own home for more than 20. We ran a LTD company that went bust a year ago.

We had to sell our home to pay off debt for the LTD company we stupidly gave a personal guarantee on.

We were left with some money out of the house sale (enough probably for a very modest house) but again stupidly we also borrowed in my husband’s name on cards and loans to raise money for the business, to the tune of 80K.

Since the business went we have been doing odd jobs while we discuss and think about where to go next. The money left from the sale of the house is in an account in my name, my husband is paying a pound per week to the debts (organised by StepChange), I have no debt in my name at all.

During our discussions my husband has said over and over for the last year that he doesn’t want to live with this debt but go bust and wipe the slate clean otherwise he feels it will be with him for many years, which I agree with as 80K is a lot of money. Also we both feel if we buy a house it would immediately be at risk.

However as you can imagine I’ve done a hell of a lot of reading online in the last year, and I recently came across something very interesting, a CAB page (pasted below) which suggested that if a property is owned solely by you, your partner can go bankrupt without affecting that property.

Well the thing is the house we sold was in my sole ownership for 10 years, so was our previous house for 5, and even the one before that for 4. In other words ONLY my name was ever on the deeds for any of these properties. This wasn’t done for any particular reason, it just seemed to happen that way, I guess because my earnings were enough at that time to do it.

The only concerns I do have are:

1, We lived together in the house at the time my husband’s debts were created so I guess it will be difficult to prove my husband isn't entitled to a legal share of the property even though it wasn't in his name.

2, We aren’t currently talking about a property but money in the bank, although we do have our eye on one that might sell cheap enough to afford it.

3, When these cards or loans in my husband’s name were originally applied for (between 10 and 1 years ago) we may have ticked the HOMEOWNER box on at least some!

Thanks in advance for any help you can provide


Had to remove citizens advice link
Dealing with Debt / Low Credit Score
« Last post by Jaimeglone on Jan 08, 2020, 12:44:27 PM »
If there is a credit crunch going on, why am I being bombarded with an unusually high number of offers for loans and credit cards?

I thought the market was supposed to correct for these things?
Dealing with Debt / ???????? ???? ????????
« Last post by Richardoceag on Jan 07, 2020, 01:11:21 PM »
<a href=>hydra ?????? ???????</a>
Dealing with Debt / hydra telegram ???????
« Last post by Richardoceag on Jan 07, 2020, 02:22:27 AM »
<a href=>?????? ???????? ???? ?????</a>
Bankruptcy / General bankruptcy questions
« Last post by Oraliafax on Jan 04, 2020, 06:33:27 PM »
With the introduction of general points for abilities and generalizations, what will become of tasks, how will they be rewarded, since promotion points wont be earned/applicable?
Dealing with Debt / can i do this Credit card debt
« Last post by Cynthiaruini on Jan 02, 2020, 06:59:12 PM »
Theres only really four countries the West that have debt problems. Every Western State other then Spain, Italy, Greece, and the US is doing fine, even if they have debt.
Dealing with Debt / Buy to let failure
« Last post by mrRandallJiz on Jan 02, 2020, 04:02:59 AM »
i get to the page where i can see them but i carnt click buy now on the logo sticker and i think i am a lite member is there anyways i can upgrade so i can get free stickers?
Dealing with Debt / Received a letter
« Last post by PamelaIsors on Dec 31, 2019, 08:23:48 AM »
Finally received an increase in my monthly but only 225 more. I am awaiting the "packet" which explains
their new calculations. guess I may have to appeal again if that is possible? However am glad the VA has
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