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Hello, I owe roughly 15k, on credit cards and a catalogue. I've missed no payments so far and am managing to make all minimum payments with a little on top. The problem I'm about to have is that my financial situation will change in 8 months. I have a disabled daughter who will be turning 20, and the extra money we get at present will stop. I had hoped to get it all paid off before then, but that's not going to be possible. I'll still get carers allowance for her, but income support & housing benefit will be drastically reduced. I'm a single mother, so no partner