I think most people know about the CCCS these days, as the banks are pushing people heavily towards them and people do not trust the banks anymore and most people are rightly suspicious. CAB are great but they can't help everybody and can't cope as it is. People often can't wait 4 - 6 weeks to see an advisor. Payplan are another clone of the CCCS funded by the creditors once again stay clear as they will not act in your intrests. Like I said in my first reply research research and research never sort your finances out on the phone with someone for 30 mins, meet with an advisor - ask him what he thinks best given your situation, why he thinks it is best for you and the consequences of your actions.....

Brighteyes, You need specialist advice in your current situation. The CAB are good however the waiting times to see them at present are massive because they are inundated but try to get in there. You need somebody to access your financial situation and see if you have anything you can offer the creditors. It would be a real shame for you to go bancrupt as you would lose your property and i'm sure this is something you don't want to do. The current climate will improve and when you find work you can look to make an improved soloution to your creditors in the mean time set your self up on a debt management plan. Call a debt management company and see if you can get an advisor to come to your house and meet with you. They charge a fee if you use them, your alternative is the CCCS who are a charity, they are free but funded by the creditors however if you have very little disposable income they can be useful and may well be your best bet in this situation call them ASAP. Your mortgage company is going to make threats but make sure you are paying them something and keep communicating with them - they are your top priority. They can not force you to sell it. Good luck.

Please, please, please never use this company!!! I work in the debt management industry and these guys have a terrible reputation. Unfortunetly every industry has it's bad guys and these are one of them. The IVA fees they charge people are so excessive usually around £8000 when it should be £5000 at the most and the repayments in most cases are very high. The due dilligence for the clients is poor and the amount of times I have had to pick up the pieces for some of there old clients who have come off failed IVA's is starting to rack up. Yes there are companies that charge a fee to set people up on IVA's, take your time to research properly and make sure it is the right decision for you remember there are some excellent companies too that work in this field. Also the CCCS are good for some purposes but please remember that they are funded by the banks and this is for a reason!!! Again I can't stress how many clients we pick up from them once the penny finally drops. It is a minefiled out there in debt management right now as so many companies have jumped on the bandwagon trying to make a quick buck. Research, research and research and don't sort out your debt problems over the phone meet with an advisor face to face so they can access your situation properly. Good luck.