I have been on a spiral of debt for 3-4 years and due to changing finances I have finally realised that I need to sort this all out. It has got to the point where I cannot afford the minimum payments on everything so here is where I am. The interest rates are killing any payment i make and i am not going to spend the rest of my life paying them hundreds per month for nothing. In fact i beleive they have all had more than a fair amount already.
I am / was self employed. Currently no independent income. My wife and I are totally financially unlinked. The only income in