Yet another depression story!

Nelly no no

Hi,

Firstly I am 24 years old, Last year I got sick ended up in hospital and was diagonsed with a mental illness( which has affected my spelling and concentration is please excuse them.)

Anyway job finished up and i applied for jobs but it became difficult and fustrating. I signed on to Disability one year on and disablity ended and I had to reapply for invalid pension. That was in November still havent recieved payment. My Boyfriend and i stress boyfriend as that is all we are dating getting to know each other. He owns his own house and said I could move in after the flat i was renting got infested with rats and I couldnt afford anywhere is stay, slept on the floor in a few friends but they were afraid their rent would go up if i was found there.

So i was honest told SW I was living with boyfriend he happily gave wage slips and p60 untill they said they want to meet me and him in the house and means test us for my payment. He is not happy with this and its causing huge problems. I have applied for assistance while waiting for payment. but yet to hear on the result. They keep coming back to boyfriends income but I dont ask him for money when he first took me in he said throw 50 in to a jar a week for food and bills but i havent been able to pay the jar since november.

I bought a car in 07 when i had a good job and good income. Now the bank rings every second day demanding money I explain the situation but now its getting serious they want to take the car.

I am seriously thinking about filing for bankruptcy, (oh god spelling getting very bad now tears make the screen blurry) I know i will carry it for the rest of my life but it seems that for the first 6 years it will be impossible for me to get credit after that if i can show improvement and my situation improves I could get credit.

I just cant see away out. I have alreadt attempted suicide but I know thats not the best option but I really dont see away out. Doctor tells me to focus on my recovery but thats difficult when i am afraid to answer my phone.

I have contact mabs and they told me I am living out side my means. I dont smoke dont drink I have no credit cards.

Basically it works out this way

Car finance just under 9,000 monthly repayments 256.00
Credit union under 11,000 monthly repayments 250
house keep 200.00
Vodafone modem bill 20 per month. its the only luxury I have.

Please be kind i have seen some member give not so nice comments.

I just want to know is bankruptcy an option? how bad will it affect me?

cee_jay

What assistance did you apply for while waiting for payment?
Invalidity Pension is not means tested - its based on your PRSI contributions. So your boyfriend's income would not be taken into account as means for this payment.

Joey the lips

If your finances are bad the credit union will listen to you. They wont cancel the loan but they will re adjust it.

If you are that ill. I imagine a letter from your doctor will be easy enough then go to the housing officer in th council and social welfare and ask for help in getting housed.

You should not really be living with your boyfriend yet, The relationship is young

Citzens information will help you with a lot of advice. Do not claim bankrupacy without talking to the likes of them

Lastly. Look afer yourself