OK so. I took out a loan to clear debts and stuff two yrs ago. My financial situation changed as dp moved in lost tax credits etc. He has helped pay this and rent etc all comes out his account at the moment. We r due a baby in early 2018 so start mat leave in dec
I only take home 600 pcm. Child ben for my DS and 200 maintenance
I am joint tenant so I am liable towards rent which is 550
Council tax 110
Water 50
Tv,12
Gas electricity 70
Fuel my car 50
Parking for work 80
The loan is 220pm.
Pkis I have about 200on credit card with my bank.. Which I'm not too fussed in that.
My dp can no longer pay for pretty much everything due to a change in his financial situation . So been looking at ways around stuff. Everything I look at online says a DRO.. It's not what I want but I really don't see any other options as things won't get better
My car is only worth 1000
Dp has a car worth 2000 ish.. If that. Do they count his stuff and wages? As surely it's my problem if my debt iyswim?
Anyone advice would be helpful right now.. Or experiences even in similar situations
Thank you for your time
PS would my firstbstep be citizens advice.. And if so what shall I take with me.