Posted - 11 October 2008 : 09:28:10 Hi Kay and welcome
It may help if you could post some more details, who you owe, how much your debts are, are you a homeowner, are you contemplating going BR by yourself.
There is alot of help and advice given on this forum and you can rest assured it will make you feel alot calmer - it did with me.
Good luck
Jenny
xx
The weights are coming off my shoulders very slowly, but making such a big diference !!