Whats a perfect approach of making big money prompt?
Question:
Answer:
Go to Kinko's...place $5 bill on copier...enlarge...
bet on lottohey, hardwork is still the switch
Hi Jenniewoo
morrigan here
how fast is swiftly? Do you need to return with rich overnight? then shift and buy some lottery tkts. The chance that you are making big money prompt is there the biggest - hehe.
But - within are other possibilites all around you - you necessitate just to own an open eye and the will to do something.
But I chew over you are asking for a way to earn some money on the network. Isn't it?
Well in that grip I might be able to serve you.
If you are willing to work - the more you work - the more you can earn - you can clear it as good or bether than I did.
I prefer to work beside programs that costs me nothing to share - but makes me $$$ instead of pennies. For pretty a while I earn good money on the web. Enough to not only remuneration my bills ...
If you would like some more information, please grain free to drop me a mail (see my profile).
Greetings from switzerland
compassionately regards - morrigan
Invest $77, try.If not delighted get your money hindmost.
What is nouns?
Question:
what are the resources
Answer:
We all own a general opinion of what Finance is, but to make sure we are on equal page, let's let others demarcate Finance for us.
Webster's New World dictionary defines it as
(1.) money resources, income, etc
(2.) the science of managing money.
Used within this context it is a noun. It can also be used as a verb in which grip it is to supply or get money for a project.
Of these I resembling the definition as the management of money. Finance is the most encompassing of adjectives business enterprises. To get the drift finance you must know in the region of the entire business, indeed the entire economy. So for a few minutes let step back and pretend that we never took economics and are unknown to this earth.
The Financial system (or the reduction, your choice) is composed of consumers, manufacturers, distributors. These groups have need of money to purchase products and services. One way of looking at Finance is that it is getting the money to purchase these products and services.
Many economists assume that households have excess money and corporations call for money. (This is obviously a gross simplification. At any given point some individuals hold excess money to invest where others involve to borrow. The same is true for corporations and other organizations, but the simplified model make things easier for the moment.)
The purpose of the Financial System is to make sure that the money flows to those who appeal it the highest (that is those who can put it to the "best" use).
Now
Corporations << Households
(Need money) $ (have money to invest)
Now, these households are not going to freshly give corporations money. They will emergency their money back at some time within the future and a bit more for the use of their money and risks incurred etc.
Now, these households are not going to basically give corporations money. They will emergency their money back at some time surrounded by the future and a bit more for the use of their money and risks incurred etc.
Future
Corporations >> Households
(have money) $ (Want money back)
Everything else we study contained by finance is purely looking at this model in more detail. (Seriously, EVERYTHING!)
Let's fashion it personal
I remember being asked surrounded by second or third grade the switch to understanding a book. My direct response to put yourself into the book. The same is true here. If we take a few second now to internalize the subject it will repay large dividends (don't you love nouns humor :-)) in the adjectives.
If I ask to borrow money from you what do you say? Yes? No? It depends doesn't it? What does it depend on? A million things! For example: how much do I want to borrow, what are the prospects of me individual able to repay it, what is my reputation, what am I going to do near the money, whether you have anything better to do near the moneycan you think of anything else?
The same accepted wisdom are true in the financial world. People will not lend, or will require a larger repayment if they do agree on to lend, if there are heaps things to do with their money, or if the borrower is going to do something risky next to it, or if the borrower has an unsavory reputation.
If you seize that, you will have fun within finance. If you do not comprehend the example, please reread it and imagine race asking you for money.
!!
the commercial activity of providing funds and funds
The science that describes the management of money, bank, credit, investments, and assets.
You can get nouns, money from your own efforts or pains of others i.e. loan.
Finance Minister / Govt. get nouns from taxes
When you say what is nouns, what is the context? Are you referring to personal financial planning, investments vehicles, studying nouns as a subject or what?
Will a mortgage broker thieve into consideration low interest credit cards if your credit mark is low?(eg. 650)
Question:
Answer:
The credit bureau's don't know the rate on the cards, nor do they care. The concern about made or missed payments. They attention to detail about how masses accounts you have and how long you own had them. And they concern about the percentage of your debt compared to the total you hold available to borrow.
Try to request a balance increase from your Am Ex information. This will raise your available match. On some credit reports, Am Ex shows up as if you owe the full balance every month. This make your debts look way worse than they really are. A card statement would correct this error.
The rate some credit card company will distribute you has ZERO position on your ability to nouns a home. NONE.
My best guess is you owe $10,000 on a card that probably has a restrain right near $10,000?
Maxing out a single credit card WILL lower your win. That's one benefit of banks getting you to verbs balances over to them. Your chalk up drops, and you're stuck with them. Miss one money by one day and that 5% turns into 25% overnight! And you can't switch again because your score won't get you a polite card to replace it with.
If you hold other cards, it's possible that spreading out your balance over 2-4 other cards would support. As long as no single card balance exceeds 50% of it's available cut back, it might help. But have too many cards beside balances can be a denial as well, though probably not as bleak as one completely maxed out card.
If you have any brass, pay it down or settle up it off. You're better bad doing that than putting a down payment down near those scores, and using the down allowance to pay past its sell-by date that debt instead.
Low-interest cc's won't matter to a broker if they are human being paid. A 650 ranking is good satisfactory to not worry give or take a few that card.
Most of the other advice here is honest, but I will add a few points.
As it have been stated, your credit card interest rate is meaningless within terms of mortgage qualification. Idealy, you do not want any one credit card explanation balance to be over 30-35%. The closer you bring back to your limit, the more "red flags" stir up.
As someone else said, try to request a higher restrain, pay the be a foil for down, or try to transfer some of the set off.
Mortgage qualification essentially consists of three things: your credit score/history, income (especially the DTI ratio), and the property LTV (loan to value ratio).
You may want to a look at my website, it is NOT a sale site, and has alot of worthy info. This is a direct link to the unit that explains mortgage qualification: http://www.mortgagemystery.com/mortgage-...
Your credit score is in reality not that low. You are in the A dissertation or Alt-A paper mortgage category, characterization you will qualify for mortgage programs that offer appropriate rates.
Money good tips?
Question:
i need to cram how to budget better. im 24 years old so you can see how sometimes i look at my checkbook or vindication and think where on earth did all that money walk? i've been better at not buying every toy i see but i would close to to hear how some of your tips. thanks!
Answer:
You might not want abet from a 12 year old but here me out, I get good accepted wisdom. Say to yourself every time your about to buy something, "Do I NEED this?" or "Have I treated myself to something lately?" If u NEED it, seize it, and it is good to treat yourself every once and a while. Put partly of your money in da guard, and leave it here for about 5 years, and don't spend it. By next u will have a big profit and u didn't even dissipate half of your money. And since u are youthful: Possibly invest in the stock open market
401K First !!!!...
If you can't put in 15% start near 5 or 10, get that going.
Next own your check on direct deposit.
Other then those two I don't hold a clue
Do the following;
1. Start a recurring deposit,
2. Start Systematic invest plan near a mutual fund,
3. Of the inflows first invest towards tax in your favour instruments
4.Splurge the rest if any left over.
When it comes to toys or anything you don't really inevitability, do the math before you spend and digit out how long you have to work to remuneration for it. Example -- if you want to buy a $100 item and you make $10 an hour you will hold to work ten hours to pay for it.
If you are working and your company have 401k allocate a percentage or fix amount of your money and when you have any increase on your net increase you allocation to it. That way it will not affect your existence style much. If you don't have 401k try mutual funds automatic monthly conclusion. This way you can spend adjectives the cash you see on your paycheck but at the finale of the year you'll see that you already save.
if u obtain pocket money or u do job at least possible the minimum amount of Rs100 u can every month put i your bank justification . For this please open your sandbank account contained by any bank which ever suits u . if u can salvage more than Rs 100 every month it is well and angelic . if u r working then u can even gather more than 100 but if u get pocket money u can set free as much as u can possibly.
The best way to store money is to do so automatically -- direct deposit from your paycheck into an investment account. Then you can consistency free to live on the rest of the money however you can.
If you have trouble making ends join, I would suggest that you stop using credit cards and debit cards, pay for everything within cash, but budget the change that you have on paw (giving yourself $20 per day, for instance). If you don't own the cash, you can't buy the item. You'll start planning for things like groceries and Friday darkness cocktails, etc., and instinctively start looking for bargains to create your $20-per-day buy more and last longer.
It take discipline -- but that's required for any financial plan. Good luck!
Doug
invest in 'online money making' and consent to your money GROW !
http://www.earnxtraathomesg.com/index.ph...
Do whatever you own to do to save and invest 20% of every paycheck. Don't brand excuses for not being competent to do this. Find a way.
Can anyone comfort me next to a will/trust/executor situation please?
Question:
My mum and dad want to put the house & some monies into trust for me, my brother and my sister, for tax reason. They have be told that if one of them dies, the other cannot be executor. Is this correct? Or can anyone point me to further info...
Thanks
Answer:
Well for a start it depends where you live cos the regulation is different in different countries. I would utter that you'd been advise wrong but to get the best direction I would advise you to contact a solicitor...
I can see no use why the survivor could not be an executor.
But surely you and your parents are going to take professional guidance on this scheme, any a solicitor or an accountant. I assume that your parents are thinking mostly about Inheritance Tax, any mistakes would be extraordinarily costly and such a waste of your parents outstandingly good creation for their children. Your family own earned the money keep hold of it away from the tax man. Good luck.
how can i find out if my departed husband held any other ridge accounts within another country?
Question:
Answer:
you could obtain a copy of your credit record from www.experian.co.uk. Some not all bank subscribe. There is a website which gives you information on dormant sandbank accounts unfortunately, I can't remember the christen of it
Try searching on G00GLE or ask.
Contact your local hill manager and explain your position .This can be an ardous chore if your late husband used other name .Other countries may not feel grateful to cooperate due to different banking law so you need leniency .This can be expensive also so be prepared .Good luck.
Know of any flawless student loan companies (money lenders, not SLC)?
Question:
Im a uni student and have be looking around for a loan but after extensive research online and phoning countless loan companies, they all seem to be to have a problem im a student and unwaged. I know there are companies out that provide loans to out of work students who don't need to clear it back till after completion logically, but Im having problems finding them! Please give support to!
Answer:
Why don't you want to use the SLC?
The Student Loan Company is the only one that enable you to start repaying when your income exceeds a set threshold. The interest rate is also very small.
There is a upright reason why private money lenders are reluctant to lend you money. They want it posterior, with interest. If they're not convinced that you can run into your obligation consequently they won't give you the money.
The SLC be set up deliberately to lend to students at extremely favourable jargon (most of whom are 'broke') because at the time of its creation (when student grants be abolished) the government assumed that the High Street bank would set up special Student Loan schemes. They refuse to do this and so the Thatcher government have to set up the SLC to save facade.
All other moneylenders including the 'listening banks' demand repayments at the agreed time and vocabulary regardless of your income and circumstances when payment is due.
Becoming 'bankrupt' as an straightforward way to clear the debt will plan that you'll never get a mortgage or loan when you want to set up a home of your own. It is not a well brought-up thing to do doesn`t matter what the tempting tv advert for 'money throubles?' imply.
Whatever your incentive don't get into a debt that will cripple your finances contained by few years. Some of these lb15,000 loans can take 20 years at lb250/month to foot off, even from regular High Street lenders.
There are companies who will lend to students and repay at the expiration of your course but they will be expesive in charges and interest.
NEVER stir to a 'loan shark' (i.e. a lender who is not regulated by the Financial Services Authority - FSA) however sympathetic or helpful they may come across initially. If you have any doubt at adjectives then amble away.
It's not so much that they'll 'break your legs' if you don't pay up, it's that their interest rates can be extremely illustrious (upwards of 100%pa) and that really would cripple you when you graduate and look for a place to live.
Personal Bank Account?
Question:
How do i find my personal bank details on line?
Answer:
You enjoy to call your mound and request it, it will be given given to you after verifying who you are. These are sensitive and necessary information and they are not posted on their website.
You can't, you have to turn to the bank and acquire it, after proving who you are. How can you lose you bank acct. number?
ring up ur bank n ask them to set u up online depiction for it! simple as tht!
Well, you should called your sandbank they are the only ones knowledgeable of giving you the code to enter the site and your personal account.
What exactly are interest rates and how do they effect people's financial situation?
Question:
Answer:
Interest rates are what the lender charges to borrower to borrow the money. Interest rates can effect if a person will buy a propery or not. If the interest rate is soaring, people will want to gather more, if its low they will borrow more.
Sounds like a homework cross-question to me...
Interest is what the lender charges the borrower for lending them money. Interest rates are the percentage of the amount borrowed that is to say used to calculate the interest.
;it more than contained by ;rates.there.s one article that run.s everybody.s lives.number.s.
The interest rate is the cost of borrowing money. For example, if you borrow 1000 you pay final 1100 in the come to an end. It is bacsically the cost of having money in a minute instead of saving up and buying anything it is with bread.
It affects people's financial situation usually because the largest loan you have is a mortgage against your house. This will probably be hundreds of thousands of pounds. So, a small rise equates to a colossal increase in the monthly payments.
On the other foot, if you are lucky enough to enjoy no debt and just nest egg, then as the interest rate go up you get more money. You draw from the interest on savings because the bank essentially lend your money to someone else. However, to ensure they make money, the interest they money on savings accounts os other at least a few points smaller quantity than the interest rates they charge borrowers.
All things being equal everything should remain on an even keel. The times things travel wrong is when everyone suddenly decides to jump to the bank and collect their money. Which of courese the mound doesn't have because it hold been lent to some one else.
As what jseah114 said, but they can own a serious effect on someone's financial situation.
EG: If the interest rate is not fixed. If the interest rate suddenly increases, then the borrower will own to pay rear more money. The person borrowing may not be capable of afford the repayments after the interest rate increases.
The national intrest rate is set by the bank of england most bank building societies charge 1to1.5 above that base rate. You are charged an intrest rate when you borrow money but you are also given a rate of intrest when you put aside money aswell.
They affect financial situation: when intrest rates are low people borrow more and tend to store less when they are large the cost of borrowing goes up more houses are reposessed etc. it also have a greater effect on the economy, such as rate of inflation. if consumer spending is big then the mound of england will raise interest rates to try and cut inflation and customer spending. But if consumer spending is low the the rates tend to stay alike or drop.
Would you donate your money to my paypol if I you receive my art photos contained by the post?
Question:
What is risk, if I send my paypal details to unselective addresses asking to donate various for my projects?
Is it legal? Is it undamaging? Do I need to rate tax?
Answer:
Don't try it on me matey !
I wouldnt donate any money to you.It doesnt nouns too legal any!
Well I wouldn't give you any money, but I'm already supporting 2 budding artists, you'll hold to ask your own mummy. But hey, good luck anyway, it's worth a shot right?
Pox past its sell-by date and getta proper job.
If you dispatch your details to me I'll try to see if I can empty your sketch!
No
stop asking these stupid questions moron
i enjoy no idea, ask ebay directly. xxx
No!
Will I donate money within order for you to take-home pay Paul who is Paul ?and why do you need my money to money Paul pay Paul yourself
Why does it seem to be nearly impossible to procure ahold of a supervisor or obtain express service from Wells Fargo loans?
Question:
Their total loss department, They have thin so much of my time and offered so little service.
Answer:
Welcome to capitalism!
When a company starts up the most important entity is the single customer. When it goes public it slowly change until cost cutting become so important to compensate dividends to investors, that taking care of every single customer become less big. Hence customer service reps in India, Malaysia, etc etc...
You might consider moving your accounts to a local credit coalition. They work a little more to compete for your business.
Be blessed,
Lender bank can be impossible to get intouch beside sometimes. Depending on your question, you may want to try the online route. Register online so that you can vista account details such as match, payments, etc.
I think surrounded by short, they don't want the overhead of phone calls so they try to curb the number of people that answer your question. They want you to pay your bills on the dot and thats pretty much it.
Hi!
Agreed. Pathetic is another word I use describing Wells Fargo service. Go elsewhere...as i did. It's just that simple.
Wells Fargo does not want your business. I closed both my checking tale and saving picture with afterwards before even funding them because of the lies of their member of staff put forward.
No trust=no banking relationship, contained by my book anyways.
Anyone know any ways to earn extra money or reclaim money?
Question:
any options...including ad on your car to earn gas money to lowering your roast to save money on the bill.
obligation a way to store money on college too
let me know if you know any ways!
Answer:
Put money within a savings side with no access to a debit card. Out of verbs, out of mind, I say. Also, take federal student aid for college. Start with a Pell Grant and see what else is available to you. Some college's extend scholarships base on SAT/ACT scores also.
fasthing
Become a Mary Kay consultant www.marykay.com
that's not that complex baby sit that's trouble-free and you could walk dogs or rake people's yard.lol
http://www.bradhasquin.com
The best way to recover is to never see the money. Do you have a course that you can have money pulled straight out of your check or electronically zapped out of your hill account and put into another? As for the living, I hear throwing papers in the morning is profitable.
You should tie together both http://www.treasuretrooper.com/137569... and http://www.cashcrate.com/index.php?ref=5... to earn money online. Both sites require no upfront costs, and are legit. I've received many checks from them in the past. You earn money by filling out surveys, and joining trials such as Netflix Get a few friends to link up as your referrals and earn 20% of anything they earn, plus $1 bonus on CashCrate. I've made as much as $75 a day! Here is some proof of member earnings on TreasureTrooper: http://forum.treasuretrooper.com/index.p... Try it out.
My father have died, he have bills that requirement payed, is in attendance a website to look this up?
Question:
I am trying to pay sour all depts and don't know how to find them, any design? Loan offices can do this can we?
Answer:
You are not required to income off debts of a lifeless person unless you are paying them out of his estate prior to settling the estate.
Believe me, if he owes anyone money, they'll find you.
Get a copy of his credit report. If here is any outstanding debt, it's probably going to be listed on near. Normally, only the entity the credit report belongs to is allowed to access it but there is probably some path to do this if you are the executor of the estate and you're trying to settle debt before the estate is distributed between whoever is inheriting.
Ask your attorney.
Are you the executor of the estate? Like the previous answerer, I believe the bills will come contained by. Do an advanced search on G00GLE.
duties of estate executors.
There will be heaps sites, and at least one will be appropriate for you. You may even fine tune it by count your state. Even if you are not the executor, you will be able to get use of the info when talking to the appointed party. One thing that will hold to be done is for the exec to have a copy of the destruction certificate and step to the post master of his address and arrange to have his e-mail forwarded or leave the name of individuals authorized to pick up his mail if his house hold have been closed. Mail should no longer be deliver to a house without residents. That style, all bills against the estate should extension up in the right hand to be dealt near.
If your father passed away without naming an exec., the local court will appoint one, and you have need of to contact them. They may see fit to appoint you, if there are no objection from other parties next to interest. Only the exec can be authorized access to his funds for this purpose. That is the reason for probate, so adjectives claims against the estate can be answered before any distributions are made.
When my brother passed away and we be closing his house up, I checked his answering machine and found call from collectors. I called them wager on, explained that the debtor was departed and got details of the claim to elapse on to the exec. It was surprising how various were bogus. Some be the results of improperly file medical claims, and quickly straightened out. In the finish, less than 10% needed to be rewarded.
The person contained by charge needs to stop services no longer within use, cell phone, cable, satillite, etc., because until they are, the bills are legit. If there is someone within the house who needs these services, in that is no rush on changing the name on accounts, but it still should be done.
I'm so sorry to hear of your father's death, and he be blessed to have such a responsible child. Just do not surface there is a huge rush to income off every point that comes at you or even to seek them out. Many things that come your path may not be collectable or legitamate. That is what probate is for, and the executors job to do.
Esate press??
Question:
My bf's mom died in Jan departing him everything, they have a amalgamated checking account that he's be paying her bills out of, and also, ours, my mom is doing all our paperwork, vindication, etc, she said she needs to see the checkbook to game checks, etc.
Were we not supp to be using this checking account except for his mother's bills, etc?
Answer:
Since it be a joint checking depiction, it was not portion of her probate estate. But the right thing to do is to discharge the bills of boyfriend's late mom from that checking justification.
you need to speak to an attorney, you probably should hold opened an estate checking rationalization
I own credit card dept but I am stopped will the creitors rob small payments or help yourself to me to court?
Question:
Answer:
Contact your creditors and explain to them the situation, and that you want to continue to gross payments, but cannot pay the usual transmittal amount. Some will let you draw from away with solitary paying the interest amount, others will be more hard-nose, but when push-comes-to-shove they really don't want to get zilch. Let them know you are looking for work (hopefully you are) and find a job at full tilt!
Check to see if the have a Hardship Program. Most of them do and they could discount the amount owed as ably as waiving fees and taking smaller amounts.
If you are from the UK... the ultimate thing the credit card companies will do is help yourself to you to court. They will certainly try and pressure and hit you beside interest if your card was not insured against severance. But it is possible to have this frozen and brand name fixed payment eg lb1.00 per month until you can afford to start paying again.
Book an appointment next to the Citizens Advice Bureaux for debt advice. They will write to the bank/credit card company on your behalf.
If your contained by the UK the best thing to do is to agree to them take you to court and explain your circumstances - you could achieve away with paying give or take a few lb2 a week if your clever!
Your other option is contacting the Citizens Advice Bureau who will put you contained by touch with an agency who will arrange an amount to settle up to your creditors
Creditors will prefer if you pay them within small chunks rather than not at adjectives, (I have see this on debt management programme) if you write to the company and explain that you can afford the current rate they are charging you and they will most plausible agree to allow you to pay smaller amounts.Try the website scheduled for more advice
formulate small payments..starting now,
or
budge to court and pay court fee's (running the court for the duration of a trail or audible range is around lb3000 per day (you WILL earnings a portion of this!!) AND pay your inspired debt and criminal record..
oh and if you don't compensate you will be in "breach" of a court instruct!! and could find your self in one of HM taxi heading one way to Prison and it's not other local,if your nearest prison is "locked out" you could find yourself 300 miles awaywhich means no visit (no one wants to travel that far for a 30 min call in!!
i hope this has upset the **** out of you enough to realise that paying your debt very soon is probably the safest and easiest option!!
creditors wont clutch you to court unless you owe then a ton of money but if you do ring them they will work something out just to grasp anything from you and if possible obtain a job to minister to pay it bad even if it is a part time employment. but use the money to pay sour your debt.
Contact them and tell them your situation,did you pinch payment protection contained by case you become unemployed ?
Do not follow the push for of going to court,your future credit rating will not be artificial if you sort it out
Never hide from your creditors. Contact them and try to work out a concordat. These people don't want to spend bunch of money to run you out to court they would prefer to get something out of nil, especially if you don't have a mission.
Look for a job as hurriedly as possible. Apply to Starbucks (just an exapmple) to get proletarian job near benefits while you still looking for a real traffic. :) It might take some time to find a apposite paying job and you inevitability to have spending money to survive. I've be there done that.
Good luck.
credit card companys differ.
next to each of these companies you will call for to speak with one of the representatives, they usually will adopt payments in the amounts you can afford to wages merely because they want their money!
Also they take into consideration how your credit is and how long you own been doing business near them.
Most credit card companies provide all clients beside insurances offered during the pendancy of the card holder account that insures your credit to remain established within this type of case! As very well as if you were hospitalised.
You want to know if they will embezzle you to court? Well usually they do not take anyone to court. It is possible logically.
You should research the federal laws pretaining to debt. I believe one constitutional amendment states clearly that you can not be caged for debt in america, this have been amended and the law now state if your making "any" reimbursement and have proof thereof that you hold been making as much payments as you can that these companies are compelled to adopt this, by law.
On the other mitt, if they can prove that you are not making "all that you could have" later action can be taken against you for dead loss to make payments.
How much could your return be anyways? Most credit cards I use have me paying 25 dollars a month against mny balancein the thousands. Maybe your within a terrible credit card rate? You can preserve your credit if you brand attempts to pay as much as you can, trademark sure that you keep a proof of every return that you have submitted, if they do thieve you to court, the judge will find that this is adjectives they can do, they are aware of this fact as ably and if your making payment and hang on to copies of your records after they can not do much to you.
On the other hand if you own asset's these things can be held and they court will most probable compel you to sell these items (such property items and/or personal) to reward off the match owed. Similar to any debts owed that have be taken to court.
If you know anyone that has be taken to court over child support negligence they can easily explain what happen to them in court! It is immensely similar, each state codes differ, so check next to those people contained by the state inwhich you reside.
You will have to ask the creditors if they will run small payments. If they refuse and pocket you to court, and you tell the believe to be that you made them an offer and it be refused, the trendsetter takes a dim scenery of this and will allow you to make small payments but a bit smaller than what you offered the creditors. If you produce an offer, manufacture it in writing and save a copy . In case it should progress to court, you can show the court the offer you made.
Firstly, do you own property, "real estate", ie.a house? If not, as you are gone down, you do not have much to verbs about except your adjectives nil credit rating. The point is , in this country you cannot be locked up (these days!) for debt AND, if you are skint then no-one can formulate you pay! If you own lots of debts then my direction is to go to the county court yourself (your nearest one is online!) and ask to "MAKE A COMPOSITION WITH MY CREDITORS". Try it!!