I'm not sure this is the right place but here goes I suffer from Borderline Personality Disorder, which means I am often very depressed, anxious, scared, etc. I am on medication and generally have the illness to a level that I can cope. However I have got myself in debt with Vanquis, Capital One, Littlewoods and Very. I was making regular payments up to about 6 months ago but then my Mum passed away and my world fell apart. I am on esa and was managing with the help of my partner to maintain my payments. Now I am getting nothing but phonecalls and letters. This morning I received my second letter from Moorcroft for the Vanquis debt (£1287.14) asking for me to talk to them and payment or further action will be taken. I owe Littlewoods £925.73, I have only missed 3 payments on that debt so far but will miss more. I owe Very £2513 including arrears of £409. As for the two credit cards with Capital I owe approx £600 on each card. On top of this I have accounts with JD Williams which I'm not in arrears with but will soon not be able to make the regular monthly payments. I just want advice as to what to do, should I write to them all all and make an offer of a payment each month an hope they accept it. I don't have much money left over each month from my esa benefits so payment would have to be a small amount. Would I be better looking at a debt relief order? I just don't know which way to turn and it is affecting my mental health. It's hard enough dealing with the grief of losing my Mum just under a year ago on top of losing my Dad nearly 3 years ago. I just don't know what to do. I know this is my own fault, after losing Mum i went silly with money, anything to numb the pain I was and still am feeling. I just want some advice and guidance. Thank you for reading my rant and I appreciate any help you may advise me on.