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Hello! I own my credit cards payments since 2 years i haven't pay any thing i was moved i have a new address and didn't pay attention with my credit cards payment. What are my chances should i contact my creditors to pay my balance i thing since 2 years my interest have gone sky high i might won't be able to pay them back what should i do??? Any help Appreciated -Max- 19 years old i think i own lot ...

Hi and welcome.

Can you tell us a bit more about your situation? How many unsecured debts do you have, and what is the total amount owing? Are you in employment?

You ought to contact the companies concerned to find out exactly how much you do owe, and how much the monthly contractual repayments are. You should then work out an income and expenditure budget, to see whether you can afford those payments. If not, professional advice ought to be sought with regard to the options available to you.

Yes, Melanie is bang on - see www.iva.com for reviews on practitioners that could help you.