Just to update. Spoken to some one from Melanies team and set up an iitial phone conversation for Monday. Lots of work to do this weekend in preperation. Feeling nervous.

Thank you Michael. We will contact a few and see which way is best. I think we do need to sit face to face with an expert who can assess the case properly.

Hi all. Thanks for the quick replies. This is a truthful account. I was initially put in touch with National Debtline because CAB would not deal with us as we are self employed. National Debtline took the initial figures and put us through to Payplan. We assumed that after we were told to go DMP the...

Hi All. We are new here and looking for advice. We have been working for ourselves for approx 7 years. All was going well, employing staff growing etc until the housing market collapsed and recession set in. Also wife has a back condition and couldnt work for over a year, and she is still struggling...