i recently went onto a debt management with www.cccs.co.uk. its been a life saver. now i pay out half of what i did before and im now left witha bit of cash each month.

hiya

If you can't get in to see your local CAB I'd suggest having a look at their website: http://www.adviceguide.org.uk/index/life/debt/help_with_debt.htm the bit negioiating woth your creditors is probably best, also if you then sit down and write out your Income and expenditure and it shows for example you've only got £20 left to split between 4 different creditors they've got  sample debt letters at  http://www.adviceguide.org.uk/index/life/debt/debt_fact_sheet_index.htm that you could use. Hope that helps a bit

could you save some money during the month to pay off when they all come through? try not to pay just the minium on payments even if its a little over minium payment! talk to CAB there great for this sort of thing hope you get it sorted soon cant be good being stress with baby on board

hi im in debt and really struggling to make ends meet im a single parent with little biy whos 2 and pregnant with number 2 in all i owe roughly 3 grand to store card credit card and catalogues i just dont know what to do anymore i cant pay them all they come at the same time everymonth so im robbing peter to pay paul and its really getting me down i am so stressed and just feel like crying every day i want the best for my kids but i dont see a way out at the minute if anyone can help it would be really appreciated x