Hi, Looks lie I've found the right place for some good advice, if somebody could spend a minute. I have the following debts: £9000 : aa loan £5000 : mbna cc £5000 : barclaycard £1052 : Natwest cc £650 : Skycard £2800 : Amex £1000 : Capital one cc £2000 : Builders Merchant £26502 total Self employed tax bill £2000 £6000 : Parents My wifes parents have offered us a loan of £20k to clear our debts. Firstly I have to pay back my parents loan as they really need it at the moment. Leaving me with 14k, I do not want to mess about withthe tax man and want to just clear that too.Now I have 12k. My wife works for barclays so canot mess abut with the barclaycard one, just going to pay that in full. Therefore after clearing the important debts I have £7k to play with. MBNA sent me an offer of clearing the debt at £2270 last month, but a the time I did nothave the money. In total there is £21502 to pay but I have £7k to offer. Is there a right or wrong way to approach this, any help would be great. Forgot to mention that most of the cc and loan are being delt with by DCA's, except amex who have accepted an offer of £20pcm , natwest no payment for months, and builders merchant £50 pcm. Thanks again.