Hiya! Wow! Really? How long did it take to put that in place? Did the creditors kick up a fuss? I'm definately going to go to the CAB. If you can't pay, I suppose they have no choice! thanks

Cheers Birchave0! It is easy to think you're the only one in the world with these problems! Aaagh, I hate the horrible debt people sooo much!!! How is bankruptcy not simple? I can deal with my name in the paper - couldn't care about that, the only problem I have is that I wouldn't want my parents' credit rating to be affected. I think I'll get an appointment with the CAB, and see what they say. Will they honestly accept that little a month? Thanks for your help!

bevo, was your sister in a lot of debt? i understand if you'd rather not disclose, it's just that i can use it as a comparison. thanks

Thanks so much. Will look into all of your advice thankyou

Hello all! I am new to this forum, and have had a look round for most of the day! Basically I am in £20,000 debt all unsecured. Bank overdrafts, credit cards, store cards, etc. I started taking these out at the beginning of a university course in 2002. Needless to say, I was an idiot and had no idea how this would consume my life. I quit university to get a jobs, but have suffered depression for the last 4 years. Including hospitalisation for suicide attempts, most recently November 2006. I ran away from home (parents) and have now come back to face the debts and also to get help for my illness. I am currently waiting for benefit money to be paid to me, due to the depression. I have no idea what to do about these debts and debt collectors to whom the original lenders have sold the debts onto. I haven't paid any money to the companies for 2 years (like I said, I ran away). I am not strong enough to talk to them on the phone, this morning I stupidy rang HFO who are now collecting my outstanding Barclaycard debt. I had a woman basically tell me that I should be working to pay these debts off or borrow the mmoney from my parents. But I am under the local mental health team and have ben signed off on the sick by my doctor. These letters and phone calls are making me suicidal and the depression is not going away. How can I pay them anything when I have nothing?! Please help? You certainly are a knowlegdable bunch! Threats of bailiffs coming to the house are scaring me, but I simply have no money!!! Can they take things that do not belong to me? What will happen to my parents ability to borrow money, if I declare myself bankrupt? Please help gang! Thanks very much.