Thanks for the replies. First course of action is going to be working out our budget. Trouble is both our incomes are very variable as well as generally low! The good news is that the housing market here in the deep SW of Cornwall is still moving a little bit. Cash buyers seem to be cashing in on ho...

Hi Have unsecured and secured debts, Unsecured about 22500, secured roughly the same. Struggling to pay due to change in circumstance over the last year, have put house on the market about six weeks ago and lots of interest but no money on table yet. If we sell we can clear everything. Should I writ...