Hi guys I have been in serious debt for about 3 years now. However I changed my life around after receiving some therapy and have been successfully managing dealings with the various credit card companies since day 1 of that 3 years. I have been using a government sponsored scheme to negotiate with the creditors to a)pay them reasonable amounts b)freeze the interest so I have some hope of getting out of this mess. I have had success with all the credit card companies with both of these points and even paid 2 (of the 5) full and final settlements with the help