I agree that speaking to a professional is probably the best way to go once someone has found the forum and got initial advice from here.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
BOL, Jan, I do actually fully concur with your comments and didn't intend to suggest to Lolagrace that visiting a CAB was a preferable option to speaking to a professional, just perhaps that looking at what advice they offer couldn't do any harm. CAB is an excellent starting place to obtain free independent advice, but as stated, having come this far, I agree speaking to a professional directly would be the best option in this instance.
Positively my last post (in this thread) on the subject of CABx!