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