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Hi there, I had credit cards with barclaycard which the debt was passed onto PRA Group as I was struggling with payments. I owe 22k and am currently paying 150pm, which is a struggle. My friend suggested either bankruptcy or full final payment offer is best (my friend offered to help with both), otherwise this will last forever. What would you suggest the FF Offer would probably be accepted, or would it be better to got the bankruptcy route?
I have no assets, property, car etc. My income barely covers rent etc thank you
Many thanks for visiting my site.
Do you know if PRA actually own the debt or are they still collecting for Barclaycard?
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