Hello.
Im ashamed to be writing this but I have no idea what to do. I’m currently on a debt payment plan (DPP) which is similar to a debt management plan but with a few more legal protections (I’m in Scotland)
my initial plan was taken out as I owed £5000 (not a huge amount I know) but I was struggling to pay it back as seemed to have lots of creditors. Anyway, I’ve failed spectacularly. I’m really ashamed to say I’ve taken our various credit cards since. My spending is completely out of control and I’ve had some big unexpected expenditures that I couldn’t get out of. My husband and none of my family know about my debt. I’m completely drowning and no idea what to do. My total debt is now around £12000.
i feel so angry at myself that I let my money problems get so bad. And now I’m worried as my DPP will fail. Can I end it and start a new one? Or start a DMP.
im getting help for my compulsive spending habit. I’ve recently been diagnosed with adhd and definitely feel like some of my money problems can be attributed to this. Not that I am making excuses, I want to pay this back, but I just feel complete in over my head and like running away.