To All, I would like to thank you for your contributions, as stated I am managing at the moment but as an IT contractor the contracting world is a little precarious at the moment. I do antiscipate that the debt will be paid in the next 5 years but I do need to look at options should the worst happen...

I have one question. Between my partner and I we have £50,000 worth of debt and are currently managing the payment but with a struggle. Yesterday my wife was turned down or a consolodation loan as was I the previous month, neither of us can now get credit at a reasonable rate. Anyway my question, ou...