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Hello I have PTSD and have spent a mind blowing £32k in 10 months and have nothing to show for it at all. All debts taken out recently on a fair credit rating. Most 0 percent but some not. I have a lot of equity in my house but thats all that keeps me safe. I work and take home about 1600 a month plus 80 disability. I feel in over my head and today the specialist has change my meds. Do i do an IVA a debt management. The whole thing freaks me out. I pay out £800 plus a month to these debts. My own doing but I have been mentally unwell Any advise
