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I need help. I was self employed and changed employment as of 01/01/14. This year we started a limited company but business has gradually dried up over the last few (6 or so) months and I have alledgely "received" £16,300 YTD of which £6k was tax on account to the tax office. This leaves me with £10,300 YTD and with the business callapsing I now have had my ex chasing me for money through the CMA. When the business folds I will owe the creditors £13000 personally (which I don't have) .
For the last 3 or 4 months my parents have paid our mortgage and my mother in law has been paying our bills... We simply don't even have enough money to feed ourselves let alone give money we don't have to someone who has never done a stroke of work in her life and prevents me from seeing my daughter (which she hides as "she doesn't want to see you") - obviously this doesn't help from a maintenance calculation perspective either...
What on earth can I do? Surely if I don't have any money at all to live then how can the CSA force me to pay what I don't have at the moment?? My 3 year old son was in tears tonight as he heard me arguing the toss with the CMA - he already can sense we are going to lose everything we have.
In a previous year I earned £6,300 and paid over 1/2 out to my ex - this was probably the start of our financial problems but naturally nothing can be considered retrospectively...
I am seriously at the end of my tether with it all - to be frank I've can hardly be bothered to even live anymore its that bad... I though the CMA was to punish parents who didn't contribute not those who do and have but have fallen on hard times...
What can I do - needlesss to say the ex thinks I'm faking my income and the CMA won't assist or help in any constructive way it seems to me...
I think you need to speak to a financial specialist - it sounds like you need to wind the business up as soon as possible, and possibly declare bankruptcy which might resolve the situation with the CSA/CMS, but as I said you need qualified advice on this which I don't think we can give on here.
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