Debt and despair

[Mummype]

Hi guys. I am a 35 yo woman married with 2 kids. 5 years ago I had racked up 30k of debt which I hid from husband and everyone. It got too much and I drove into a lorry..I don't know how I survived but I did. Left with lifelong injuries and relieved mental help and physical help too.i can no longer work so we are single income. Husband pays for all our priority bills,n food, electricity etc as I felt it best to no longer manage or have access to finances as debt fear triggers me. To protect my MH I was told to completely ignore letters etc and forget it which I have done for over 5 years but I can't forget it anymore and I won't get better until I do. After everything is paid have about 100 spare to pay off. Will anyone help me? I'm starting to spiral again and I'm very scared

Op, there is a group on fb caused beat the bailiffs. They are great and you can see there is many many examples of people having debt wiped off after they have become Ill/disabled. So just do what I said and you have a really good chance of wiping it all off.

So does your husband know about it? Is the house in both names?
Please as pp say contact stepchange.

The house is in both names and that's my fear..i don't want any risk to my home

Contact step change...they will get the interest frozen for you ....they will contact the firms you owe money to....they will work out a realistic budget for you.... you then follow the budget and although hard it becomes manageable....they will send you a statement to show the debts reducing....and you pay step change direct they then pay the people you owe from this...any phone or written contact you simple tell them step change are dealing with it...and after a short while as long as you stick to your agreed plan you won't be contacted at all.good luck please do this x