We should all exercise a moral responsibilty for our debt, however for every person that posts to this forum there is a human story behind and so one cannot generalise about people who are in debt, only search for fair solutions. Indeed, I have a feeling that Andy may be collating some of those stories.
However much as I admire Andy's stance though with the offer of financial support I do think that the ethos of this forum should be clearly maintained in that it is here, as I have always perceived it, to offer emotional and psychological support ... and not financial. I am sure that we could all make a case for needing a bit of financial help.
If this forum is managing to generate income in some way then might I suggest that some kind of debt charity is nominated, or perhaps monies donated to the Citizens Advice Bureau (Are they a registered charity?) who seem to provide valuable help for a lot of people in this forum.
Debbie
www.babynamings.co.uk
www.soulgrowth.co.uk