HI, NEW TO ALL THIS, Would welcome some advice, been reading through and sort of understand but need help, been fighting to pay credit card debts for last two years, made sure paid what i could, not always minimum payment etc, anyway most of the cards providers have now stopped contacting me, instead i am constanly receiving demanding calls from supposed solicitors etc ( obviously not as i can hear many phone calls and voices in the background more like some kind of call centers ), threats from HFO to get possetion of my house etc, however an example is CITI CARD to whom i owe around £2.5k they have thus far sold or moved my debt 6 times, or someone has, as 6 different companies/agencies have been threatening me for payment and CITI CARD will no longer comunicate with me, despite my asking not one has put anything in writting, just send threatening demands etc, would very much appreciate some advice on what to do next............. :confused: