So sorry that things aren't going your way at the moment.
I think you need to speak to a professional. Either click on the link on the left hand side of the page where you will find several excellent IP's who post on here, or visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice as to all the options open to you.
Welcome to the forum, sorry to hear about your job loss and the strain its causing. I know you are managing to prioritise some payments at the moment but when it gets to this stage all unsecured creditors should be treated equally. It's important you get help to find out realistically how much you can afford to share between the creditors so that you can get the most appropriate arrangement in place to get things back in control. This may be a temporary measure until you get permanent work but it really depends on your overall circumstances.
Did you receive any redundancy pay?
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