Thank you Martin, just read your post and have taken your good advice. Just in the process of sorting out my creditors. Will let you know of the outcome. One day at a time hey!!

Thank you for all your post, help and advice etc… My new partner has been extremely supportive over the past 18 months but I know it’s me that has to take the initiative and try to pull myself together; furthermore she lost her favourite aunt last weekend who committed suicide, so I have to be strong now and step in the right direction. I don’t quite know how the system works, presently I don’t have an income and no savings, it wouldn’t take me long to obtain work, just got to make some phone calls and of course recover money that is due to me from outstanding invoices. Yellow Pages is my main concern at the moment with threatening court action, they admitted a mistake last year where they failed to take out D/D for 07/08 they then demanded payment in full and for the year 08/09 totalling to just over £900.00. I don’t have any objection in paying them I just want time to get back on my feet yet fear they may be unsympathetic the same I fear with a credit card company who I owe also just over £900.00 (now missing three payments). Never had a problem in the past, I’ve never even had a CCJ, just hope that as each day goes by the medication gives me the self esteem and confidence I once had, I feel like it is working else I would not be here. Depression is a horrible thing and my friends and family feel helpless so I owe to them as well as myself. Once again thank you for your support.

Hi to you all I’ve been a member on here for some time now and have just decided to pluck up the courage to reach out for help. I don’t really know where to start and how to ask for help from people I don’t even know, suppose in some way I am too independent but I find now my family and friends are concerned for me so I owe it to them to sort out my finances and take control of my life and not burry my head into the sand. To date I owe nearly £40,000. I’m self employed and have no work at the present (due to lack of self esteem, interest in life etc, etc). I’m surviving on what is left on my credit card, falling behind with payments on another, yellow pages about to take court action, bank charges running high, tax returns not up to date. The doctor has confirmed I have depression and put me on antidepressants just over three weeks ago, every day I wake up I say ‘this is the day I’m going to take control of my life’, I start off with good intentions then retreat to the back patio, smoke and drink tea and watch the birds feed from the garden, just feel so low when this happens. I know I’m a victim of my own circumstances and don’t quite understand why I have allowed myself to get in this mess. My question is! Is there any way I can ask my creditors for time to pull myself together and take control of my debts. I have outstanding invoices just failed to recover them. Just want to get motivated again. Has anyone else been in this situation and pulled themselves out?

Thank you caro. Think I will get a proper nights sleep now and make a good start tomorrow

I'm ready for a fight