Need help with debt.

[Kitt3n]

oh hun

i went through something similar when i left my ex... both obiles were in my name, i didnt want to be slack and leave him stranded so left his phone connected

BIG mistake, a hole (creative spelling justified here) racked up $2,300 worth of calls by the time i got my next bill

there was nothing i could do, it was in my name, i was liable, couldnt even take him to court. lesson learned there!

but as for the electricity, try lifeline, the salvos, just see if they can help, at all.... not sure, but you could even see if department of housing could help out, i think they might, if you are on a waiting list?

it does get easier hun, it does take time though, and once it is sorted out youwill feel the calm. fresh air again

[onthefly]

What an awful stress for you!
Is it possible to get the account on his phone transferred into his name?
How much would it cost to cancel your account? Would the payout now be much less than if you continued paying out till the end of the contract (assuming you even have the cash at hand to do that of course)?
Anything you could sell for extra cash - or, more to the point, anything of your ex's that could be sold...?

[~clover~]

I do have a few things to put on ebay. Not enough to make any money really though.
Don't have any spare cash atm. Only left with about $200 after bills every week to do shopping & live.
Already have centrepay set up for power & my house phone. Mobiles are direct debited too.
I think its like $1200 to disconnect & pay the service out. Maybe. Not sure if they total up the whole contrat period or whats left.
If I transferred it to his name the debt would stay as mine & he would be started fresh.

[onthefly]

If I transferred it to his name the debt would stay as mine & he would be started fresh.

But he would then be liable for the remaining payments, right? Just thinking of minimising future outflows.

[dantri]

I'm so sorry you're in this situation and hope that CSA can help you out.

In the meantime speak to Telstra, you might be able to reduce the level of plan you're on (i.e. if you're on a $40/month minimum spend plan you might be able to bring it down to $20). I've done this before for private phones and for business mobiles, sometimes they've charged me $50 for it (but that would still be cheaper than paying the extra $ each month for the next 24months) others they haven't charged at all. They might waive the change fee for you. If you have a direct debit set up then that should help assure them that you ARE going to pay you're just in a bind at the moment.

Sorry I can't help with the other stuff, just thought I'd let you know their might be an option there for you to reduce the future Telstra bills.

Hugs, and hope things start to fall in place for you.

[Kitt3n]

oooohh i forgot - google financial counsellors in your area. Not financial advisers, but financial counsellors - they are usually run by charity groups and these guys can help you to sort out a middle line with your debtors, they dont charge you anything.

Often debtors will see that they will potentially get nothing out of someone, so they would rather come to an agreement as to half way (so to speak).........

GL babe

[AngelPunks]

gl with it all babe
my x left me with a $270K debt & got ****ty when I disconnected the phone & net in the house we used to live in (all in my name) - I was nice and left the gas & elec on for him and that ended up costing me over $1k when I made him get it in his name.