Hi, I have gradually over the last 7 years gotten more and more into debt on two credit cards. One I stopped using 3 years ago but continue to pay the limited amount each month which does nothing but pay off the interest -the amount owing of £3000 remains the same. The other I have continued to use because my salary does not even cover my living expenses and is now on £9000. I am also currently £900 overdrawn and so when my salary hits the bank it will disappear. I can only see my financial situation getting worse. I had a serious RTA in 2002 and due to chronic pain and PTSD I had to leave my career. Although I found another job this is more than half my original salary. I am a single parent with a 13 year old daughter. I receive working family tax and tax credits. I have been using my credit card to cover all the things food shopping, things for school, petrol, uniforms etc. However the repayments have now gotten so high that I can no longer afford to make them. On Thursday, following a year of ill health I was diagnosed with multiple schlorosis and life seems pretty terrible at the moment. I broke down emotionally at the weekend with my elderly parents because I really am my wits end. They very kindly offered to lend me (to be repaid as and when I can) £5000 to help and after spending a lot of time researching debt solutions I am wondering if I would be able to negotiate with the two debtors to make a settlement offer? My MS is progressive and I can only assume my health will deteriorate fast. I don;t know what is the best way forward??? Any advice would be gratefully received. Thank you:smile: