I am extremely grateful to this site for making me face up to my debt crisis and taking the first step in opening up a stack of 'debt style' letters that have been delivered to my address for just over a year now. I am particurlally grateful to the forum members, Renegadeinmp and Wintry for the support with the two previous threads I have started. I would like to pay off my debts which are PDL's, utility bills, credit and shopping cards. I have defaulted on all of them and some are a year on this status. I still cannot make payments to the debtors because I don't have enough to live on, but I will start to have a surplus in about four months time. The issues for me now are: Should I wait for four months without any correspondence to the debtors? They have waited probably over a year without any correspondence back to them so far. One of the debtors Capital One Credit Card has written a letter to me explaining that my account is no longer being managed by a debt collection agency and been returned back to Capital One. I am confident to prioritise paying this debt back but i dont want to get in to a situation were they refuse my offer of payment and renew debt collector tactics. Advantis Credit have sent me two separate letters , one with a debt that I recognise because the originators name and ref number are on the letter but on the other letter they send an originators name which I don't recognise and I dont remember the amount owing stated either! I want to correspond with Advantis in four months time rather than seeking clarification at this stage. The letters I receive are generally from debt collection agencies asking me to make contact and tend to end with a home visit threat. I have managed to maintatin life by moving address and changing my bank account card details. Therefor I would be more comfortable in responding back and confirming new details and payment in four months time. Do I need a third party like the CAB to record my decisions so far?