first of all i am married with two children, somehow we have managed to dig our selves into huge debt, around £40.000! (getting married etc) we have only been married a year and this is putting huge strain on our relationship. My husband works full time and earns £23,000 a year. I do not work as our children are very young and even if i did, i would have to put them into childcare costing more than i could earn,so thats not a option. We have been refused a IVA. The only people who seam willing to help are cons who want £800 up front. All of our money goes straight out each month, i dont know what to do, we have no luxury’s or anything either, just a car which we need for my husbands job. Im so scared as its Christmas coming up and my little girls are gonna suffer. Any advice on what we can do?
No stupid answers please