He has not got any assets except for a car woth £300. He has come to us now and explained he has not got money to pay his rent to his landlord. I realy want to help him and would appreciate the best advice, what are the best options?
2006-10-07 05:26:08 · 10 answers · asked by Welshblade1 2 in Business & Finance ➔ Personal Finance
Don't lend him the money for his rent. He needs to sort this out for himself. This may seem cruel but it is the best way. He needs to contact AA or go to his GP on Monday and ask to be referred to his local Community Liaison Addiction Team. He can also be referred to the local Debt Counsellor who will liaise with his creditors and sort out his arrears.
2006-10-07 05:34:40 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Does he have a job? If so he should set up a direct debit to pay his rent and other bills direct from his bank account on the day his wages go in, so that he has no chance to spend the money on drink first.
If he is not in work, he should register for housing benefit so that the rent is paid until he can get himself sorted out. He needs to accept he has a problem and get help from his doctor or AA or similar.
Who is the debt owed to? If it is a bank or a utility company, they may accept a repayment plan. But your brother in law will have to make payments he can stick to - or you are willing to underwrite - and then stick to them. He may want to declare himself insolvent and write off some of his debts that way; the debt advisory service of the Citizens Advice Bureau would be the people to speak to about that.
Do not give him money. By all means settle his basic bills if you so wish, but pay them direct. If you give him cash then, until his drink problem is sorted out, he will just drink it....
A cousin of mine had a partner with the same problem a few years ago, he did get it sorted in the end - although they are no longer together - but while someone has a drink problem I'm afraid they are very untrustworthy because they are in the grip of something stronger than themselves.
So finally, make sure you keep yourself and your family safe; do not commit money to help him that you cannot afford; and consider a support group like Al Anon for families of alcoholics so that you get support and advice.
2006-10-07 05:40:17 · answer #2 · answered by Bridget F 3 · 0⤊ 0⤋
Definately rehab and get him to AA meetings, he has made a big step admitting to his problems.
If you really want to help him, do not give him the money to pay his debts, make sure you pay yourself, direct to the people he owes money to.
Let him know that you will only do it until he gets back on his feet again but beforehand I would make sure you get some legal advice so see exactly where he stands, is he classed as having some kind of "mental health" problems since he has been dependent on alcohol for so long....keep yourself right.
2006-10-07 05:59:59 · answer #3 · answered by debs1701 3 · 0⤊ 0⤋
Pay the landlord yourself.
Under no circumstances give your brother in law the money to pay it, he'll just blow it.
Then make him go and see the Citizens Advice Bureau about sorting his debts out.
Finally, make him go to Alchoholics Anonymous or his doctor to get help.
2006-10-07 05:35:42 · answer #4 · answered by Anonymous · 1⤊ 0⤋
If you decide to lend money for rent, do not give it to him in cash - pay it to his landlord directly - otherwise there is the temptation that he can spend the money. Sit him down and explain that he will lose your sister if he doesn't mend his ways.
2006-10-07 05:36:31 · answer #5 · answered by bovie 4 · 0⤊ 0⤋
he needs a place to stay, where he can be watch, get his debts sorted quickly, give him a plan to get a grip of both his drinking and his debt, he needs a plan, which needs to be SMART, get in touch with his creditors and agree payments that he can afford, as soon as he has this help he should start to turn a corner, once you have stopped the rot you need him to tell the cause of the problem, cause this has a cause and to prevent it from happening again you need to remove it from his life.....
2006-10-07 05:43:13 · answer #6 · answered by JD417 3 · 0⤊ 0⤋
I think it's really good of you to help him.I found my brother after 20 yrs and he was on his ****,I half furnished his flat,clothed him,fed him etc,now he wants nothing to do with me I have been well and truely used,and he owes me money my hubby and I have two kids of our own.Be carefull.
2006-10-07 05:38:34 · answer #7 · answered by MANC & PROUD 6 · 0⤊ 0⤋
go to a debt managing centre as advertised on TV
2006-10-07 07:23:43 · answer #8 · answered by q6656303 6 · 0⤊ 0⤋
get him to a CAB, where they will have independant debt advisors and maybe can help with emergency housing and try to get him to get help with his drinking..apart from that he will need a lot of support from his family..good luck
2006-10-07 05:30:49 · answer #9 · answered by Anonymous · 0⤊ 0⤋
rehab
2006-10-07 05:29:41 · answer #10 · answered by Luckys Charm 4 · 0⤊ 0⤋