He owes about 10k to various companies including council tax , credit cards etc.
He has quite severe depression but works as a self employed person on a building site.
This Shut down due to CV and was horrendous for him.
Debt collectors are chasing him now so he sort debt advice about how to manage the debt from a debt charity.
He rents a flat from his friend who needs him to move out Early next year
If he gets an IVA or debt management it will stay on his file for 6 or 7 years.
There’s no way a rental agency will allow him to be a tenant in a property.
He will be homeless.
He has no assets at all. His income isn’t great especially at the moment.
He is talking about taking his life. He just can’t see a way out anymore.
He tried to do this many times in 2016. Not due to debt but he lost his family and he couldn’t cope.
He won’t seek help because he is afraid he will be medicated again.
I’m trying to assist him (Not financially) but it’s getting harder and harder.