ANSWERS: 1
  • the best way is be prepared and make a list of ALL your bills ..in other words break down your monthly bills into weekly installments even your Phone, electric, gas bills, bus,train fairs if fact anything that you must spend your wage on to live ... DON'T put smokes , booze night clubs etc on the list. this will leave you X amount left out of your wages to pay off your debt and thats it .. argue that its all you have with your budget to back this up with , then its up to the Judge to make a ruling .. if he/she thinks your Honest and up front and can show that you ARE paying off the Debt then you should be ok

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