I hope you can give me some direction on this as I am lost when it comes to money problems.

I lost my job last Autumn due to the pandemic, and have not been able to find any jobs that paid nearly what I was earning. I am working part-time at a local supermarket, but it only pays the national minimum wage, and it is all I can do to pay my rent and basic bills.

I have just over £10,000 of debt in credit cards and catalogues. I just simply cannot afford to pay these, and with making the reduced payments, it will take me more than one lifetime to repay the accounts.

I just need some direction as what to do.

Thank you,




From what you have stated if you do not see a light at the end of the tunnel, and have no assets/property, and surplus income, you may wish to look into a Debt Relief Order or DRO.

There are many ways to get out of debt, and a DRO is for those who have less than £20,000 of debt, no assets, and very little surplus income. DRO’s also are a much cheaper way of getting out of debt than bankruptcy.

You need to keep in mind a DRO is just like bankruptcy, so it stays on your credit report for 6 years, but it does give you a fresh start financially.



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