Guys Thank you for your warm encouragment - I think the hardest thing I found was realising I had a debt problem and more importantly recognising it I think I lost what the true value of money was but Im determined with the positive messages I am getting to resolve this. I have an Alliance & Leicest...

Where do I start? I never thought that I would ever get myself into so much debt that I am having to consider a IVA[:(] but I realise that if I am ever going to get my life back on track then I need to do something. I am going to contact Melanie as she seems from the postings Ive read one of the bet...