halifax...£800 Halifax credit card £2400 Black horse £3500 + massive interest littlewoods cat...£500 and two ccjs who I havent got a clue!!! most of the debt is being handled by mackenzie hall and buchanan agencies.. only working part time..get tax credits...dont earn enough to cover my outgoings never mind pay off debt... was working full time but had to cut hours or lose job...sucks I know...but a job is a job...

I have a load of debt...around 6k...all chasing me with no funds to pay ...... don't know where to turn and who to ask for help..credit cards ,banks and catalogues...where do I start?