First of all Steve youre in the right place. I am not an expert in the finacial field just someone who has picked up knowledge having been in debt. Every problem has its solution, there will be an answer somewhere. I do know that family creditors are asked to stand aside for the benefit of companie...

Hi. I'm newly registered here although I've trawled this forum on one or two occasions. I have reached a point where I have four credit cards I can no longer afford to pay the minimum payment on. I also have two 'consolidation loans' that have about 6 years to run, and I've been making direct debit ...