Reply To: Credit Card debt


Hi Jordan, sorry to hear of your illness and difficulties and well done for keeping going! As a single mum myself here I totally understand your situation.

In theory they can do all this BUT in order to get an embargo (charge on the house) they have to go through the courts. That you owe the debt is not under dispute from either side and interest will add up too.

I doubt a judge will allow the reposession of the house for such a small amount and with a child too you have a lot of protection, but I would advise you speak to the manager and make arrangements to pay off the debt on a monthly basis – whatever you can afford – and stick to it. They can do this for you and dont worry too much, the managers do make mountains out of molehills and remember its mainly because his manager is breathing down his neck!

PM me if you want to and good luck