If I have posted in the wrong section then please feel free to move it! Ok, here is a quick overview of my situation: Back in 2004 I bought a house with my ex's mum as my ex could not get credit. The relationship lasted around 2 and a bit years, in this time she bled me dry financially and resulted in me having over 100k of unsecured debt. The relationship broke down back end of 2006 and I also lost my high paid job around the same time. She moved out taking all my assets that she could - most of if not all the debt I had was to buy things for house or for her. I did manage to sell the house before things got too bad and got pretty much nothing out of the sale due to the market etc... I was forced to move back in with mum and due to having no money/job I did not pay any of my debts at all - they did have my new address though. I did have one good bank account as it were with halifax and did keep on my car hp as I needed a car to get to interviews etc... the car finance was with inchcape who at the time i was unaware were connected with halifax. Anyway....i didnt open up any post in this 2 years and i was in deep depression with a bit of a drinking problem but after a while i started to contact the collection agencies with offer of small payments etc and after a while all my old creditors were recieving some kind of payment. The payments i am making will never pay off the debt in my lifetime as i will never earn the kind of money i was earning back then. things were going "ok" in the sence that people were getting money up till recent when my income went down so as i was paying the collection agencies via standing orders i just reduced the payments. as you can tell i am in a huge mess but there are a few key questions I want to ask: Ok...i am kind of aware of the 6 year rule with defaults, i know everything defaulted on me as i got a copy of my credit report. I am paying the agencies every month but after the 6 years is up would my credit report be clean again? what would be the best course of action with my debts? i know my post is a bit jumbled but so much has happend i just dont know what to do. many thanks