I have found this thread hard to write as we have never asked for any help before in our lives
However, life has very suddenly taken a massive change for the worst and as such we have to seek help

Prior to our daughters birth in 2005 what little debt we had we managed and paid off every month...well, withthe exception of our martgage

Our daughter arrived in August 2005 and has since that time spent alot of time in and out of hospital due to various reasons

If that wasnt bad enough, she has also very recently been diagnosed with Brain Stem Cancer

You can imagine, our world has been blown apart. Everything has suffered including our business which as it was ran by my wife has slowly gone downhill for last few years. We probably have been foolish in trying to keep it going, but that is a different story

FACT is, we find ourselves with a massive amount of debt...mostly on credit cards, but also 2 loans

Having been told by a friend of mine to visit this forum and read about CCA's I wondered if anybody with a little more knowledge and experience would kindly guide us through what needs to be done to see if any of this is unenforcable?

This is something that I usually would take on if my head was straight...but sure you will appreciate...things are in turmoil at the minute

What / How is the simplest path to finding out about CCA's? Sure we have all the agreements somewhere...but dont have time with hospital visits and such like to go hunting for them

Regards

Merc

Hi marc sorry to hear of your problems. I think the first thing you need to do is contact all your creditors and tell them your position, and then at least they know whats going on and they may allow you to pay back at a lesser amount!