Thank you. Really appreciate you getting back to me. I've now done both and will wait. I've been reading as many posts as I can on here (and think what you do to help people is amazing) - I just wanted to check something though; I've opened s Starling account and used their switch service. But then I read in a post not to have DDs in the parachute account. I cancelled all the creditor DD's well before switching so the only ones being transferred are things like pet insurance, the mortgage DD and other things not in debt - is this okay?

Hello. I'm recently unemployed with debts I cannot pay 10k Tesco, 10k MBNA, 8k Ikano Bank, 3k Tesco Credit Card, 1k boiler finance A lot has been going on and I have three additional children with needs and am applying to be their carer as they are all now home-educated. I don't think that I can make meaningful payments to the companies and have no idea what to do. I've read so many great posts with great advice on here and hoped someone could help me. I am in the very early stages of defaulting and have no idea how to approach the companies, or what to say. I just worry they will expect payment immediately or a monthly payment that I can't afford. I have done the income and expenditure and have a tiny amount left over. I don't know whether to approach citizens advice, apply for a DRO, IVA. I feel completely overwhelmed and have no idea what to do. My payments will have their first default tomorrow.