Ok, here it is
Income details
Net monthly (i.e. after tax) Income self: 2K
Income history: e.g. "I lost job in 2012 and moved overseas a few months later, my wife does not currently work
two adult family
Do you need a car for work or do you use public transport? yes
Number of 3 years old children: 1
:
Monthly childcare costs:
Montly spend on special circumstances: 80 per month on medical expenses
Home loan
Lender: PTSB
Amount outstanding: 198K
Value of home: 170 - 180K
Interest rate: 4.34 variable
Monthly repayment 1180
Amount in arrears 9K
Summary of discussions and agreements with the banke.g. interest free for a year then exp could not meet repayment, phoned & wrote & sent SFS in Feb, missed 2 full payments in past 6 months and shortfall of 50% for other months
Other loans and creditors - delete those which don't apply to you
Credit Card - 4,500 - no repayments last 3 months
Credit Card - 6.500 - no repayments last 2 months
Family loan - 15K outstanding
Family loan - not paying back at present
Other savings and investments
Do you expect any lump sums in the medium term future?
NO
How important is retaining the family home to you?
Which of the following best describes your situation?
I don't care about keeping the family home.
Any other relevant information
What is your preferred realistic outcome?
For example: "I will never be in a position to repay the home loan. So I want to sell the house and deal with the shortfall" We are overseas and cannot afford to keep property or pay shortfall etc as no permanent employment at present