Yes I realise I have a problem and I need to sort it out asap. My income is around £1450, and my expenditure (rent and bills) is about £700.

I just dont know what to do. Im only 23 and owe 24,000 to about 11 companies. I have moved house frequently over the last few years, hoping to 'forget' about my problem and it will all go away. I might even owe more for things that I have forgotten about from a few years ago. But now Im at the point...