Hello there, First of all, I'm a 27 year old man, I got my self into debt a long time ago which screwed up my credit report completely. Fortunately for me, the debts were removed and my credit report cleaned up a little, but still couldn't get credit from anywhere. I then did something stupid and started taking out loans & contracts with the permission of my family using their name but due to losing my job, I cannot now afford to pay these bills and neither can my family. They are now being hounded by debt collectors agencies and it's causing me sleepless nights and my family won't even talk to me. What can I do to stop this nightmare? I owe around £2000~ in total, but none of that being in my name and I have around £40 spare every month. I know what I did was completely stupid. p.s. I was made redundant and I'm looking for a job, but I have no money income at ALL. Thanks for any help..