Hi,
You are definately not alone in how you feel, most of us on here are in serious debt and fully understand what you are going through. Once your head is out of the sand it is an emotional rollercoaster, but the worst bit is done, admitting you have a problem. You have done that and you are doing something about it. The next dificult bit is actually speaking to someone, and this was very difficult for me. I was a long time picking up and then putting down the phone again, before I managed to speak to someone. And what a relief when I finally did. I spoke to Tina on Melanie's team and felt at ease straight away, scared to death, ashamed and every other emotion know to man, but finally at ease. I wish I had done it sooner, and not carried on in the state I was in for as long as I did. Speak to Melanie direct, along with her team, she is lovely, helpful and will give you sound, honest help and advice. Everyone's situation is different, but there will be a solution for you and you will get through this. Everyone on here is here to give you help, advice and support whenever you need it. And don't feel guilty about joking, it's ok to laugh, you have nothing to feel guilty or ashamed of, hey I bet Northern Rock don't feel guilty and look how much money they owe. You will soon start to feel better, and looking forward to a debt free future. Good luck and keep posting.
All the best
Mike
