As someone in debt at the moment, I agree with what the other posters have said.
It can feel like you're going nowhere, and there's no way out of the debt, but sit down, write out your finances, make sure you can afford to LIVE, then work out what you can pay off your debts.
Contact your creditors - in writing, not over the phone, and tell them that this is what you can afford to pay.
Stick to your guns, and eventually they will listen and you'll feel in control again. |