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  1. Hello, I have turned to this forum as I am now close to despair with my debts. I have been self employed for 11 years but lost my contract in the middle of last year. I had attempted keep my payments on credit cards and AMEX charge card on time but started to struggle after 4 months of using savings and fell behind with a number of debtors. When I approached them for help after years of on time payments they didn't want to know!! I have now returned to full time employment but the accrued debt is too large for me to catch up on based on my new salary (which is still wrong as im
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