Good afternoon, long story short: I was in a relationship, we bought stuff together on a store card in my name. Stupidly, my then partner was not entered as a second person on the cards. Fast forward: we split up and now I find out she was not repaying cards from the joint bank account that my pay was going into.
Now I have debt collectors harassing me daily, threatening legal action and threatening to take my pay from my employer!
I have tried to privately borrow the money to settle the credit card debt, but they ask too much and won't accept my offers.
I'm really stuck! Do I declare? (i hold dual citizenship so a passport from the UK isn't a problem?), or do I suck it up and pay their greedy inflated amount they want? Or do I just ignore it and wait till the 5 year mark makes them invalid? How do I get a copy of my credit report without them finding my address, as right now they don't know were I am residentially?
Also can I demand they stop ringing me at work? Its affecting my job status, as my boss is tired of all the calls coming in.
I don't know what to do, don't know whether to try for Legal Aid because I really don't earn a great deal, and would really struggle with a repayment plan set at their level.
Any help appreciated (I feel real embarrassed I'm 40 in a few months and I have never been in this situation before, and I have no real place to turn).
Thanks
Now I have debt collectors harassing me daily, threatening legal action and threatening to take my pay from my employer!
I have tried to privately borrow the money to settle the credit card debt, but they ask too much and won't accept my offers.
I'm really stuck! Do I declare? (i hold dual citizenship so a passport from the UK isn't a problem?), or do I suck it up and pay their greedy inflated amount they want? Or do I just ignore it and wait till the 5 year mark makes them invalid? How do I get a copy of my credit report without them finding my address, as right now they don't know were I am residentially?
Also can I demand they stop ringing me at work? Its affecting my job status, as my boss is tired of all the calls coming in.
I don't know what to do, don't know whether to try for Legal Aid because I really don't earn a great deal, and would really struggle with a repayment plan set at their level.
Any help appreciated (I feel real embarrassed I'm 40 in a few months and I have never been in this situation before, and I have no real place to turn).
Thanks