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Write About Your Debt Experience
Posted: 2 years 1 week | By: | Misc. Debt
We're looking for writers who know what it's like to be in debt to create short articles outlining their personal experience.
What could the article include?
- An outline of how you came to be in debt and the type of debt your have e.g. borrowed too much, credit card debt
- Any other information you'd like to include that helps develop the article e.g. opinions of how creditors help or not, government policy on helping people in debt, debt companies, personal relationships, your health, how debt affects your work
- A paragraph mentioning the 5 main debt solutions: debt management, IVA, bankruptcy, consolidation loan, and debt relief order (perhaps a view on these solutions)
- A paragraph mentioning the main debt charities providing help i.e. Citizens Advice Bureau, Debt Advice Foundation, CCCS, and the National Debtline
- A call to action that tells people why they should not ignore debt and contact a debt charity
What will we do with the article?
- We will publish your article on one of the many article sites on the internet
- The article will link back to this site
- Your name will never be published with the article
Why do we do this?
- We learn more about what it's like to be in debt
- We can tell others what it's like to be in debt
- Publishing articles is a good way of us promoting ourselves and our campaign to make debt help free, impartial, consistent, and free of commercial biased
How many articles do we want?
- We ideally want 10 a day
How do you submit the article?
- Use the comments box at the bottom of this page
- Your email address will NOT be used by us or passed to anyone else
On behalf of our small team of helpers and volunteers, thank you!
REMEMBER:
- Your personal details are kept confidential
- Your article will not be published below or anywhere else on this site
- You're helping us to help others in debt
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Re: Write About Your Debt Experience
I had my daughter in 2000 when I was 22 and my husband was 27. We had just got our first mortgage and house and had moved away from family due my husband's new job. We obviously wanted to make sure the house was comfortable and that our daughter had everything she needed and inevitably a lot of our purchases ended up on credit cards. My husband also had a loan which he had taken out before we had met.
Being away from family and, in hindsight, quite depressed left me feeling quite alone when my husband was at work. Looking back I think I used shopping as a way to cheer myself up. When you're in your early twenties, you don't really think about the consequences of over-spending.
Then my husband had quite a serious breakdown and was unable to work. We had to get loans to pay the monthly bills and to keep the house. Over the years he has also been made redundant several times - each time we needed to borrow money to get through the months.
Years later, once I had realised how much debt we were in (tens of thousands), I remember laying awake at night, literally paralysed with fear as to how we were going to pay it all off. I was at the point of not being able to pay even the minimum amounts on loans and credit cards. Still, banks were sending us offers of loans and more credit cards!
In 2007 I was on the verge of considering selling the house to pay off the debts, but I managed to get the courage to talk my Dad about the situation. I felt embarrassed and like I had let him down in some way, but he was very supportive and helped me to find a debt management company.
After speaking to Payplan and them agreeing to help set up a Debt Management Plan I could have cried with relief. To know that someone was helping me and that I didn't have to deal with the demand letters and phone calls on my own was amazing. I personally chose a Debt Management Plan because although we owe a large amount, I didn't want to enter into anything legally binding such as an IVA. I chose not to go bankrupt as I didn't want to risk losing my home. Payplan have continued to be a valuable support and their staff are always understanding.
We have been paying the debt plan for about 4 years now. Although there are still a number of years left to pay the debt, I am thinking about it less and less now. I would encourage people in debt to talk to someone about it - a friend or a family member. They are often more supportive than you think they will be. Debt is a mistake I made in my 20s but I refuse to be paying emotionally as well as financially for that mistake for the rest of my life and neither should anyone.
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