RWA

This is a difficult time ................but things will turn arround..


Main thing seek advice........pay off the most active creditor..[highest intrest]
Seek an agreement with the others.. minimum payments[[ they would rather have little than nothing]

Then draw up the most ruthless budgeting plan you have ever drawn..... remember wecan live off fruit and veg and be full....then pay of all credit cards first then things that do not amount interest.. you may well struggle for a while.. with little niceieties in life... but at the end .. all of your income will be yours[ excludind utilities/rent]

RW... this is a difficult time.. you have to be ruthless with yourself in the short term for long term gain....

GOOD LUCK and i truly mean that

David