US Credit Card Debt

I will look into that link, thanks for that!  My husband and I have already worked out a budget and we will be fine for a bit we are just scared that since we are both moving over together with no lined up jobs that if we continue to pay the $250/month to the loan and then we run out of money before we get jobs that we could have not paid it and not became homeless in that process! 

The credit cards I am not the least bit nervous about as min payments will be something like 8-10 pounds a month.  It's just that horrid loan (and no it is not in any way school related).  I may try calling them to just see if we can work out a smaller payback amount per month. 

I am in customer service and am pretty confident that I will be able to find a job quickly I am just a worrier and wanted to get all opinions as a 'just in case'.     You guys are the best!! 

...if we continue to pay the $250/month to the loan and then we run out of money before we get jobs that we could have not paid it and not became homeless in that process! 

And you are right to consider that!   Your priority should always be to meet your living necessity expenses first - housing, food, utilities, etc...before paying unsecured debt.  Obviously, the consequences of not taking care of those things first are more substantial, and should those consequences occur it would only compromise your ability to pay the debt anyway.  Creditors do not care about that, however - they are only out to make money off you.  End of.  Be wise & take care of yourselves. 

I wouldn't worry bout it.  Pay what you can and if you can't well you can't.  Although if you ever intend to move back to the states I suggest you pay up.  If not I wouldn't lose any sleep over it.

The whole suing you and issuing a warrant thing is a scare tactic.  My mom was paying off my dad's debt after he died and she received a paper talking about suing and arresting, and she went straight to our lawyer who basically just laughed at the paper and told her it's a scare tactic they use to get you to start paying them back.

When I defaulted on my student credit card (seriously? who in their right mind gives an 18 year old a credit card with a $1500 limit who has no job?) and I called about it, they told me to pay something like $250 and it was done with, so I'd call the credit card companies and see what you can do to pay them off.

I'm debt-free except for my student loans.  Oh, are those going to haunt me forever.  I'm planning on keeping my US bank account when I eventually move and when the amount in the account gets low, wiring in more money to cover the bill so I won't have to worry about trying to pay it with a UK account! (it's an auto-debit)