Hi guys
The missus has been a bit silly with catalogues from her younger years and a credit card with debts totalling around £6000.
Two of these debts are now a CCJ. She earns £300 a month from a cleaning job and a little from benefit. Bank is at zero end of each month.
All these debts are at her parents address and bailiffs have been showing up. She lives with me and our son. Everything in our house I own. the tele, laptop and car probably being our only saleable assets. We rent the house.
Shes only just opened up about this debt and wondering what our options are.
1. Is a DRO an option?
2. Will the DRO affect me? Will it go against our address or her parents?
3. Does it matter that the debts are now CCJs?
Shes panicking as Bailiff showed up at her parents and wants a £300 payment. Although we want to tackle this I think she should face them all and start over. Credit rating is shot anyway.
Help appreciated. Thankyou