Had a good job, career, home, money, etc.
Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah.
Now, for past year or so, been earning, and getting back on feet.
Looking to start paying back, and deal with all my debts.
Have done as much due diligence as I can, and need some pointers.
I have a number of creditors, with debts totalling around 45K.
Have been paying token payments of £1 to most, some more.
Looking to get StepChange advice and help.
But also need some idea of full and final offers to re