What I didn't know size5 until I found this forum was that they were creditor funded which makes all the more sense they've turned us away!

Thanks for the welcome

What can we afford to pay? Next to nothing until we get a job each unfortunately.

I've not looked at bankruptcy but I'm pretty sure my husband wouldn't agree although I'll do a bit more research to find out the pros and cons.

I've just found this thread and find it extremely interesting the comments regarding a CCCS DMP. Me and my husband entered into a DMP with CCCS in June 2006. I have just calculated that if we'd entered into an IVA our debts would have been cleared and we'd have spare money. As it is at the moment we...