Hi Folks, I am going to try and sort out my debts into a debt plan and would appreciate anyones thoughts and advice on what to do. First my debts Council tax arrears £1500 Student Loans £3000 Credit cards (none yet in default) £1800 I do not feel like i have enough debt to be looking into ways to reduce the amount i owe through legal means, i just want to set up an amount each month that i pay that will eventually pay off the debts i am responsible for. My question is this. Would people advise me to try and do this myself? I have tried dealing with Buchanan Clark and Wells about the first two amounts but everytime i get someone on the phone they end up getting me to agree to difficult repayment terms that i eventually default on. I think i might benefit greatly from having someone go through my finances and help me talk to them. If people would advise getting someone in to help, can people recommend a process or a company that is good for this. Really i know it is my problem and i should sort it out but i just want to know how much i pay every month and be able to work out what i have to spend. I have a decent income (1300 net per month) and should be able to clear the full amounts. However whenever i speak to credit companies (esp BC&W) they make comments like 'Do you feel like you don't have to pay your bills?' which totally put me off and scare me. I would really like a buffer inbetween me and them. Any and all responses/personal experiences would be appreciated. cheers