Help Debt might kill me

[suacide]

It's over for me. It's so over. It's unrecoverably over. I thought I was free. I can't pay this. The debt company said I was free, and suddenly the energy company has gotten back to me demanding almost £1000.
I'm disabled and poor, I can't do this.
I feel so pathetic, it's such a tiny and insignificant amount to so many people and yet I'm here after months and months of wanting to live, trying to recover, trying to be positive considering if taking my life might be the only way out. I had the urge to hurt myself after YEARS of not cutting and it's so strong and won't go away. Why did this have to happen?
The only reason I ever got the debt in the first place was because I had to live at my mums house while she was dying and her houses bills were bigger than I ever thought they'd be, but even then! Even then the bills were so much lower at first! I fully paid my debt! I paid it and the debt collectors stopped harassing me, and now out of nowhere they send me a revised bill almost six months later I'm expected to pay almost £1000 more? I can't do this, please god, if there's even a god please give me a break.
I don't know what to do. I'm scared. I'm so so fucking scared. I don't want to be in life threatening debt at 24. I don't understand any of this.

Please, if anyone knows what to do, how to make it better without having to go to my final extreme, if there's any way out for me please tell me.
Thank you for reading, I'm sorry it couldn't have been more positive today…

 

[discernment]

I'm assuming that you are in the UK based on the post (if this is a wrong assumption then feel free to disregard this advice because it will probably be useless lol) but, I recommend contacting stepchange if you haven't already. They are a charity and you can speak to them over the phone or you can fill out a form online to explain your circumstances and they can offer advice. I'm struggling with debt too so I totally get how stressful it is

 

[unluckysadness]

Could we do crowfunding ? Nobody should ctb for financial reasons. If every member gives you 1 pound, it could help you temporarily ? I don't know, just an idea.

 

[explosiveKai99]

I can donate £1, but not more. I'm poor too, lol

 

[suacide]

I'm assuming that you are in the UK based on the post (if this is a wrong assumption then feel free to disregard this advice because it will probably be useless lol) but, I recommend contacting stepchange if you haven't already. They are a charity and you can speak to them over the phone or you can fill out a form online to explain your circumstances and they can offer advice. I'm struggling with debt too so I totally get how stressful it is

Yeah I am! And I see, I had no idea there was even organisations for that… I'll definitely contact them asap, probably in the morning since it's around 8pm and I assume they're not open atm. I really hope they can help, I've never been in this situation and I'm so sorry that you have to suffer with this too. It's terrible, I don't think I've ever felt so hopeless. It's like after all that fighting, struggling, scraping up money just to be free, I come out the other end exhausted and while I'm down, they put the shackles back around my ankles. My heart really does bleed for you and everyone else who has to deal with this, likely with an even bigger, more stressing amount.

Could we do crowfunding ? Nobody should ctb for financial reasons. If every member gives you 1 pound, it could help you temporarily ? I don't know, just an idea.

I don't know how I could ask you guys of that, you've all been through so much and I just feel so guilty asking any more of you when you've all already provided me with a community where I can come out and say these things I can never tell any of the few people in my life and instead of being judged, I'm taken seriously and with compassion. It's a gift I feel like despite all my gratitude, I can't never fully repay. You're kind, wonderful people.

I can donate £1, but not more. I'm poor too, lol

It's alright! I don't want to burden others who are also struggling with this, but your compassion really does mean the most to me. Thank you. Really, thank you.

 

[unluckysadness]

I can donate £1, but not more. I'm poor too, lol

That's very kind A lot of people are struggling with financial issues and want to ctb just because of this reason. I don't know anything about crowfunding but it seems easy to do. Is this organization serious ? Do they take a lot of fees ?

 

[mob]

I'm so sorry, I'm in the same boat so I know exactly how you feel. For some 1k might not be a huge amount, but for the people who literally don't have any money to survive, it's the world.
I also have a few hundred to pay off until the end of this month or they'll send me to court, and it's so stupid because it's merely 200€, but when you have nowhere to get it from, even that small amount becomes suffocating.
I hope it gets easier for you. Is there an option to pay it off monthly instead of the 1k up front?

 

[unluckysadness]

If you have some things to sell, pawn shops can be something to consider too if you need money urgently. But they give you peanuts, that's the problem.

 

[ctb_warrior]

It's over for me. It's so over. It's unrecoverably over. I thought I was free. I can't pay this. The debt company said I was free, and suddenly the energy company has gotten back to me demanding almost £1000.
I'm disabled and poor, I can't do this.
I feel so pathetic, it's such a tiny and insignificant amount to so many people and yet I'm here after months and months of wanting to live, trying to recover, trying to be positive considering if taking my life might be the only way out. I had the urge to hurt myself after YEARS of not cutting and it's so strong and won't go away. Why did this have to happen?
The only reason I ever got the debt in the first place was because I had to live at my mums house while she was dying and her houses bills were bigger than I ever thought they'd be, but even then! Even then the bills were so much lower at first! I fully paid my debt! I paid it and the debt collectors stopped harassing me, and now out of nowhere they send me a revised bill almost six months later I'm expected to pay almost £1000 more? I can't do this, please god, if there's even a god please give me a break.
I don't know what to do. I'm scared. I'm so so fucking scared. I don't want to be in life threatening debt at 24. I don't understand any of this.

Please, if anyone knows what to do, how to make it better without having to go to my final extreme, if there's any way out for me please tell me.
Thank you for reading, I'm sorry it couldn't have been more positive today…

Someone suggested that we can earn by selling plasma. If it's possible in your country, for the first month you can earn as high as 1000$. Check the possibility

 

[suacide]

That's very kind A lot of people are struggling with financial issues and want to ctb just because of this reason. I don't know anything about crowfunding but it seems easy to do. Is this organization serious ? Do they take a lot of fees ?

I looked it up, they're legit. I checked what they take and being on the platform itself is 0% but they have a processing fee of about 2.9% + 30p. They seem good, I just feel so terrible for asking that of all of you when you have your own struggles. I've always had big struggles over accepting non-verbal help and I know it doesn't help my situation at all :(

I'm so sorry, I'm in the same boat so I know exactly how you feel. For some 1k might not be a huge amount, but for the people who literally don't have any money to survive, it's the world.
I also have a few hundred to pay off until the end of this month or they'll send me to court, and it's so stupid because it's merely 200€, but when you have nowhere to get it from, even that small amount becomes suffocating.
I hope it gets easier for you. Is there an option to pay it off monthly instead of the 1k up front?

I'm so sorry you have to deal with that, I know that owing any amount is insanely stressful, that was what I had to deal with before they sprung up a new bill and honestly I can't say the amount differed my stress, if anything I felt worse stressing over a smaller number, the only worsening factor for me VS then is that the same electric company is hounding me again after all that and the trauma of losing my mother so suddenly. I hope you are able to recover it, and I wish I wasn't in the situation I'm in so I could help you…
The minimum amount they suggested to pay per month would already send me into the red, I'm living disability benefits to disability benefits with basically nothing to spare and I just don't know what to do… I'm also scared about their fees and how quickly it climbed last time this happened. I'm just at a complete loss.

If you have some things to sell, pawn shops can be something to consider too if you need money urgently. But they give you peanuts, that's the problem.

I might have to, but I dont know what I'd even sell… I lost most of my things when I lost my mothers home, so I don't have anything of value but precious things that were once my mothers and it's all I have left of her, and the appliances we'd bought together before all of this happened almost a year and some months ago now. I don't want to let go of her things…

Someone suggested that we can earn by selling plasma. If it's possible in your country, for the first month you can earn as high as 1000$. Check the possibility

Really?? I'll look that up immediately. I live in the UK so I'm not sure, but I'm hoping that if there is anything like that, I'm healthy enough for them to consider me. My health is pretty poor so I'm a little worried.

 

[ctb_warrior]

I looked it up, they're legit. I checked what they take and being on the platform itself is 0% but they have a processing fee of about 2.9% + 30p. They seem good, I just feel so terrible for asking that of all of you when you have your own struggles. I've always had big struggles over accepting non-verbal help and I know it doesn't help my situation at all :(


I'm so sorry you have to deal with that, I know that owing any amount is insanely stressful, that was what I had to deal with before they sprung up a new bill and honestly I can't say the amount differed my stress, if anything I felt worse stressing over a smaller number, the only worsening factor for me VS then is that the same electric company is hounding me again after all that and the trauma of losing my mother so suddenly. I hope you are able to recover it, and I wish I wasn't in the situation I'm in so I could help you…
The minimum amount they suggested to pay per month would already send me into the red, I'm living disability benefits to disability benefits with basically nothing to spare and I just don't know what to do… I'm also scared about their fees and how quickly it climbed last time this happened. I'm just at a complete loss.


I might have to, but I dont know what I'd even sell… I lost most of my things when I lost my mothers home, so I don't have anything of value but precious things that were once my mothers and it's all I have left of her, and the appliances we'd bought together before all of this happened almost a year and some months ago now. I don't want to let go of her things…


Really?? I'll look that up immediately. I live in the UK so I'm not sure, but I'm hoping that if there is anything like that, I'm healthy enough for them to consider me. My health is pretty poor so I'm a little worried.

Yes honey, i created a post, where I asked everyone to suggest earning methods that can help fellow members.
So one of the members suggested plasma donation. I looked it up immediately and i found it really had a lot of prospect there in the west. Not sure about uk in particular but it certainly looks promising.

Wish you all the best

 

[QuarantinedThoughts]

Yes honey, i created a post, where I asked everyone to suggest earning methods that can help fellow members.
So one of the members suggested plasma donation. I looked it up immediately and i found it really had a lot of prospect there in the west. Not sure about uk in particular but it certainly looks promising.

Wish you all the best

Donating plasma is definitely a viable option! However, if one were to donate plasma, they should be aware that it takes longer than giving blood, and its a little more uncomfortable. The money is nice though! And its for a wonderful cause, if you're into it for the morality factor as well!

 

[ctb_warrior]

Donating plasma is definitely a viable option! However, if one were to donate plasma, they should be aware that it takes longer than giving blood, and its a little more uncomfortable. The money is nice though! And its for a wonderful cause, if you're into it for the morality factor as well!

Yeah, you are right.
And very belief are youngsters who don't have much idea of all these things. I think living thru for us third world country makes it difficult to choose
Love you all love you all beyond anything

 

[suacide]

Yeah, you are right.
And very belief are youngsters who don't have much idea of all these things. I think living thru for us third world country makes it difficult to choose
Love you all love you all beyond anything

Donating plasma is definitely a viable option! However, if one were to donate plasma, they should be aware that it takes longer than giving blood, and its a little more uncomfortable. The money is nice though! And its for a wonderful cause, if you're into it for the morality factor as well!

Thank you both, I checked but sadly nowhere I've seen in accepting new people, and I don't think I'm eligible.. I'm on medication for a variety of mental disorders and I smoke too, which I have to be clean of both for 3 months to be eligible… I don't know what quitting my meds would do to me, so I don't think it's an avenue that can help me, but I'm sure it can help many others. Really, thank you for even spending some of your time on me, it sounds a little cheesy but it made me feel really connected to people in a way I haven't in a long time. Thank you.

 

[QuarantinedThoughts]

Thank you both, I checked but sadly nowhere I've seen in accepting new people, and I don't think I'm eligible.. I'm on medication for a variety of mental disorders and I smoke too, which I have to be clean of both for 3 months to be eligible… I don't know what quitting my meds would do to me, so I don't think it's an avenue that can help me, but I'm sure it can help many others. Really, thank you for even spending some of your time on me, it sounds a little cheesy but it made me feel really connected to people in a way I haven't in a long time. Thank you.

Of course! If you need someone to talk to, my dms are always open! I sympathize A LOT when it comes to financial issues. In the meantime, ill see what I can find on my end that applies to your situation.

Thank you both, I checked but sadly nowhere I've seen in accepting new people, and I don't think I'm eligible.. I'm on medication for a variety of mental disorders and I smoke too, which I have to be clean of both for 3 months to be eligible… I don't know what quitting my meds would do to me, so I don't think it's an avenue that can help me, but I'm sure it can help many others. Really, thank you for even spending some of your time on me, it sounds a little cheesy but it made me feel really connected to people in a way I haven't in a long time. Thank you.

Okay, so there are government programs that can help if you're not pursuing them already. You can find government financial support through Universal Credit with a health element (LCWRA), Personal Independence Payment (PIP) for extra living costs, and New Style Employment and Support Allowance. Now I dont know exactly what everything requires, but if youre not already in these programs. They can help you a lot!