Evening all, I'm looking for general advise on my debt situation This may be a long and winding post so please bear with me. I won't bore you all with the details of why my finances got into a mess but suffice to say that losing my job at the end of 2009 led to me defaulting on a number of credit agreements. Despite writing to all the companies in question, asking them to stop adding charges and also to accept a minimal payment I was singly ignored by one and all. I ended up with 2 CCJ's, one for a large loan which I pay at £50.00 per month and 1 for a credit card which I pay at £1.00 per month. In addition I had a number of other credit cards and loans - I guess like many I was borrowing from Peter to pay Paul until the bottom fell out of my world. For the last few years I've been treating demands for payment with the same respect they treated my offers - I've simply ignored them. I am now working and though far from flush I probably could make payments to my creditors with a view to clearing my debt over the next few years. If I ignore those items that are already subject to CCJ's I think my total debt is around £7000.00 - the stat demand relates to a debt of 1600.00. I've not made any payment or acknowledged any debt for nearly 4 years but still quite a way from the 6 year limit. I don't want to be made bankrupt and more generally would you advise that I contact all my creditors with an offer, even though each will probably only be offered around £20 to £30 a month - and if I should are there some standard letter templates that can be used to make these offers? Sorry for such a long post - looking forward to hearing your opinions and advice