Thank you Foggy, Til & Penny for your kind supporting comments. I just have to hold my nerve for 36 hours and make those first calls on Monday Morning.

I'm writing this post as much as anything else to push myself towards taking steps to sort out my debt problem. I know that this site is anonymous, but the very act of having to sit down and think through where I am and what options are available to me is a positive step all by itself. My debts are ...