Hi thanks for the replies,my debtors are credit cards wuth capitol One, Tesco, Citi and Halifax, loan with Abbey and over draft with Haliax.I own my property.Melanie suggests Debt management programme would she recommend some firms. i would rather go down road of DMP or IVA rather than bankrupcty. T...

HI I have debts of 35000 approx whihc I am struggling to pay, I have contacted my creditors and had they agreed to accecpt reduced payments for a time but some of them now want me to start paying the full amount each month whihc I can not do. My take home pay is 1200 approx each month and I get 300 ...