Can anyone advise me about how to get debt written off without going bankcrupt.I am with a finance company on?

a debt management programme,but realistically as I'm on benefits I cant really afford to pay my creditors as there's so many of them,and it'll take over twenty five years yet to clear all my debts.The debt management is gobbling up all my benefits and so I'm forever getting behind with my household bills,and I cant afford more than a tenner a week for food and household items.Yes,I know,its impossible to live on housekeeping of a tenner a week,but I have to,thats all I can afford after my payment each week to my debt management programme.I did phone citizens advice once and explained everything to them,and they said as I cant work 'cause off ill health and I'm only on benefits then basically I can't afford to pay my creditors,as I can't afford to be on a debt management programme as its taking all my money which should be for my household bills and buying food,so what should I do then?Could the citizens advice help me out of this mess?Does anyone have experience of debt help by the CAB

Hi there
bankrupcy looks like the solution for you. A dmp will take years and years to pay off, an iva not viable because of income, therefore bankrupcy would wipe the slate. As said you would not get credit for some years but then who wants it anyway. I live to a budget now and dont use any credit and it is so uplifting to get through xmas and pay for things yourself that you can afford rather than have the bills post xmas to look forward to.

All the best.

seriously get in touch with the c.a.b you may get a surprise

You need to go through a non profit center that helps to negotiate and pay your bills or go ahead and file bankruptcy at this point. Check the first vhoice first by looking either online for one in your area or by looking in yellow pages under non profit.

I know seriously disabled people who still work. How ill are you? My dad had his arm ripped of in an industrial accident and was back to work in six months as was my friend who lost a leg. I also know people who are not really ill who sign on and are registered as unfit to work. If you can't afford to pay then don't borrow. I have never borrowed in my life except for my small mortgage, I save up from my wages to buy things. If I can't afford it then I don't have it. If you have cancer or something serious and you borrowed in good faith then I apologise. Citizens advise can only advise you, they are not obliged to sort it out for you. Call your debt management people and explain, if they can't help you then your only option is to go bankrupt, good luck.

File bankruptcy and get it over with. Too much stress for your health right now.

There is a lot of useful and intresting information here to help answer your quetion.http://debt-consolidation.featured-resou...

I would get back in touch with your local cab they will help you and advice you and you will also be seen by one of their debt specialist who will negotiate with your creditors on your behalf.