My creditors meeting was scheduled today, they didn't file any paperwork with any of my creditors so the entire proposal expired and nothing moved forward. I told them to cancel the whole thing, what a complete waste of my time and now I've incurred late fees and ruined by credit rating with a month...

Best of luck with the meeting. Don't forget that some of the situation you find yourself in is down to the creditors themselves. They make credit so easy, and painless at the point of sale that you find yourself in far deeper than you imagined, before you know it. That's one valid point. If I'm bei...

So I finally decided to get some help with my debts. As someone who has been a responsible borrower since I was in my teens, for this to happen in my late 30s I feel pretty ashamed to have ended up in this situation if I'm being honest. Albeit It also feels like it's time for a life style change and...