thank you melanie, ive had some advice today and seems like there may be some light at the end of the tunnel.
so glad i found this wonderful website, many thanks to everyone

i will definately do as you have advised just need to sort out all info needed and will try tomorrow.
thank you

thanks for the welcome and replying. i also have had a couple of my creditors take me to court already giving me ccj's with others threatening same. i have also been looking at bankruptcy. i just do not know what to do, we are totally depressed but i know its no good sticking my head in the sand any...

thanks i really needed to know that as the last couple of months ive been having problems making the debt management payments and when i have phoned churchwood they have been next to no help and thats why i have been doing some research and found this forum, im glad i did, can i give you a call mela...

hi, thanks for the replies so far. the rental income covers everything on the property and helps towards others slightly. i have been with churchwood for about 15 months, i did not get much help from the other companies i spoke to at the time but i think from what i have read on here its time to rel...

firstly i have about £50,000 of unsecured debt which is being delt with by churchwood financial with a debt management program paying £400 per month, i had considered a iva but i have a buy to let mortgage a commercial mortgage and a personal mortgage i have no equity in any of the property and no p...