Again, i'd just like to say how helpful this forum is for me right now, some of you really have been up against it and i wish you all the best, ,my creditors meeting is on Friday, and have to say, as i may have mentioned in other posts about stress and health.I've not been able to keep much more than a weetabix and water down for quite a few days now, but it's really important to take care of yourself during these stressful and worrying days.I think for me, admitting that i cannot cope with paying my debts anymore is very important, it doesn't mean one is a failure. Career wise, i am in such a lucky position that my skills have been noted and i have been encouraged to better myself.Whence the drop in salary, due to studying and the arrears building up so quickly. It happens so fast eh ? #13;#10;#13;#10;Best of wishes to everybody out there worrying, try and eat, relax and stay healthy. Health is wealth !!!! #13;#10;#13;#10;Mark #13;#10;