I am at my wits end - any and all advice would be greatly appreciated.

In my youth I was an idiot (25 now) I got into the trap of credit card then more then loans to cover the cards then loans to cover the loans.

I have between 13-15K of debt across multiple cards and loan companies.

I was barely keeping my head above water and then I was forced to resign due to my mental health and subsequent breakdown.

I am prescribed meds

- see doctors weekly

- under psychiatric care etc.

I am claiming ESA (first benefit in my life)

however my debts are approx £850 month and therefore I cannot under any circumstances afford to pay.

I have tried StepChange but the results were rather confusing

- saying I am un-eligible or do not fit any criteria.

So please...Any advice on my situation?

I am beyond disappointed in myself

- and would love to amalgamate all debts into one 'affordable' monthly payment.

Thank you in advance.

JB

well don't be embarrassed to ask.

I don't ever be embarrassed about dealing with it head on.

the only winner is you!!!

firstly, its best to look at this from an outside point of view....i'e the way the financial world sees 'you'

go get you credit file

noddle clearscore Experian etc

and tell it what is shows...

please DONT EVER go rushing into writing this or that

so settling this or that...

lets SEE what is really out there.

credit file please!!

dx

List all creditors plz - Lets help you

This is far from insurmountable, you control what they get and no-one else.

If your only income is social security, then the maximum amount you will be demanded to pay is £1 a month.

However, please list who the creditor is, how much is owed, and who is chasing you for payments.

Plenty of really good help, and advice, you're in the right place.