Well I want to say thank you to everyone for taking the time to reply to my post, it really is appreciated. I have come to a decision after speaking to people about my options and I have decided to carry on as I am, go it alone so to speak. Finances have slightly improved meaning I am keeping my hea...

Thank you for all the replies everyone. So the best thing for me to do is to contact a company to discuss a DMP with them?? I know I willnot get a IVA and in all honesty, bankruptcy is not a route I am wanting to go down. I want to pay my debts back. Afterall, I was stupid enough to get in this situ...

Thank you

I did do some sort of calculator which mentioned a DMP would be my best option.

Does anyone have any experience of one of these or have any advice how I can apply for one please?

I am so worried I can't even think straight [:(][?]

Hi Everyone. I am new to this forum and just don't know which way to turn. I am totally stressed, depressed and really panicking about my finances. I am currently unemployed after loosing my job at the end of January. I have recently set up my own business, this isn't "declared" as yet as it is all ...