Thank you everyone for your help and kind words! I will give CAB, Endersby and Payplan a call on Monday and see if they can help with going down the Debt Relief Order route. Once I have got some advice from them I will definitely update you all and hopefully be of some help to others. Fingers crosse...

What is my options? Is it time for bankruptcy? Here is the situation. I owe roughly £12,585 on credit cards, catalogues and outstanding payments. These debts came about BEFORE I met my partner. I used to have a full time job and was able to at least pay the minimum amount. I am now in a situation th...