Thanks for everyones nice quick responses. I have looked into saving money, cancel Sky TV, we now only have 1 car, cut the shopping bill down etc, but its not really made any difference, there isnt anything else i can cut down on:-(, so you could say im insolvent, life is just to hard with the stres...

Im a 35 year old with a wife and 4 children, i have a £275,000 House with little to no equity , as i have a mortgage and a secured loan on the property. Recently Our income per month has gone down to around £3000 per month and our outgoings are around £3900 per month. I have credits cards totaling a...