Hi, My partner and I have separated and there will be no way back from that. He has a full-time job and I work 25hrs a week and we have an 8yr old son. Paying the debts was slowly becoming a problem as BNPL were catching up quick and fast were not paid off in time were put onto the monthly payments all monthly payments were made and on time whilst we were together. That is now not going to happen. I have a lot of catalogue debt in my name only that I will now not be able to pay the monthly amounts. I have not defaulted on any accounts yet and I take full responsibility of all the debt and I am not looking for a way to not pay them. This is what I owe as of today NEXT £1800 - monthly payment £90 ISME now VERY - £2,000 - monthly payment £75 VERY - £1600 monthly payment £55 WOOLWORTHS now VERY -£2,150 monthly payment £100 SIMPLYBE £1,200 - monthly payment - £50 Total catalogue debt - £8750 total monthly repayments - £370 HALIFAX £1990 overdraft £47 a month charges - soon to change in Nov to nearly double this when they start the 1p charge for every £7 in the overdraft end of day charges. Halifax loan £6,000 - monthly repayment £185 Halifax loan £2,000 - monthly repayment £60 Total Halifax debt £9,990 Total monthly repayments £292 I want to send out a letter to all the catalogues and inform them of my financial situation and I can send them a budget sheet and creditors list showing my income and out goings and try and appeal for them to accept a token payment of £10 a month to each of them. After reading on the www for the last few days I can see I am going to be hitting a lot of brick walls were they will refuse my offer and continue to add charges and interest then sell on to DCA who will then finally take me to court and I will get countless CCJ's and have an even higher debt to pay - albeit it is very likely the courts will accept my original offer of £10 each per month as my budget sheet will prove this is all I have left over. As I have said I do accept I owe the debt and they will take forever to pay off at £10 a month but is there anyway I can improve my chances of them freezing interest and charges? My Halifax loans I can continue to pay and they have less then 4years to go. My Halifax overdraft is a problem as it is just ongoing and never going to be cleared as I live on the overdraft after my wages get swallowed up by it and the new changes are going to create a bigger problem. Are Halifax someone who are easy to talk too? Will they allow me some other way to pay off my overdraft but still allow me to keep my bank account? I have been with them for 20 years and never ever had any defaults on my account will that help? I am struggling now on a daily basis and so worried about how to manage all of this debt. I can't increase my work hours or else would have done. This forum seems extremely helpful and very good with advice. What can you advise me to do? Any help is really appreciated. Thank you in advance.