think i will go with dmp by what you are all saying...thanx dont want to sell my house couldnt bear it..site been really helpful and only been on two days...thank you all

cant remortgage for about 12 mths...appreciate your advice i can see you have helped lots of people but dont know what to do for the best..will keep in touch with any developments...only decided to tackle this problem today

11600 owed to alliance and leicster,9000 to natwest and a credit card with 300 owed. my house is worth about 105000 and i owe 80000 on it.

thanx for replying... i owe 22000 to 3 creditors..work full time income varies but about 1300 per month after tax...bills come to about that amount..so have been stuck for a while..i am a homeowner.

been in debt for a while now, just been advised to take iva ,is it as simple as they make it sound or are there hidden pitfalls..was first advised to take debt managment program then another company contacted me saying its an iva i need....anyone any advice