I am currently thinking of sending my keys back to NR and starting fresh, but I know it cant be thet easy....... I have a house worth 140000 NR Mortgage 115000 Interest Only payments Nemo Secured 25000 NR Unsecured 33000 Black Horse 6000 Credit Card 2500 We are currently living on £120 per week for ...

I have no disposable money after living expenses, we have a car worth £2,500 we are both employed one full time and one part time and the house is worth £140,000...

Thankyou for you answers what is the best way out of this for us

if i was to go bankrupt would i still have to pay off my creditors or would my debts be written off.

secured loans
northern rock £114,000
nemo £23,000

unsecured loans
northern rock £29,000
black horse £6,000
lloyds tsb credit card £2,000

many thanks in advance for you help

Thank you very much, I feel abit better now perhaps I will be able to sleep tonight.

Again thanks for you time.

Struggling with a young family and a new addition on its way in October. But paying them all ontime.

I have no equity in my home and puting it that way I have no disposable income....
Does anyone know if Northern Rock will change my Mortgage from 25 Yrs to 35 Years. I am 36 Years old??

Oops forgot that bit Sorry...

House Value 145000.
Income 2700 (Joint Monthly)

Basically after all the Bills are paid we have about £130.00 per week for Shopping / Petrol Etc..

Shopping £100.00 / Week
Petrol £25.00 / Week

I need a bit of help.... as this is all new to me! This is my current situation Northern Rock Together Mortgage 114000 Secured 737 / Month 29000 Unsecured 227 / Month Nemo Finance 23000 Secured 283 / Month Black Horse Finance 5000 Unsecured 148 / Month Lloyds TSB 1700 Credit Card 40 / Month Northern...