thank you everyone it is refreshing to see I am not alone and you have all made me feel better. I spoke with Melanies team this morning and I am feeling alot more positive. My worry was speaking to someone and them judging and making me feel stupid which is why I never sought help sooner thinking it...

Thanks Melanie, I have completed a website form for you before I posted. If there is no equity in a house do you still have to sell? What I am most ashamed of is that I got into debt so easily and wanted to get it cleared myself but it spiralled out of control and I ended up borrowing more to pay ot...

This is my first post and I feel very ashamed and embarrased but I have faced up to the fact I have mega debt and I need to take action now to get out of it. Yesterday myself and my husband discussed it and as he is a police officer we need to get an IVA. I feel my own debts (he does not have too mu...