Hey guys I just wanted to say thankyou to everyone who helped me..I've managed to sort the debt out and i'm now in a position where i can pay it off. I contacted the consumer action group and got some great advise. I was also lucky that my new debt account holder is a really nice lady and seemed to actual help me rather than threaten me. She realised it would not be a good idea to take from my home and instead she decided to allow me to pay monthly to pay it off. In those past few days i actioned a lot of my ideas and i realise now i've laid out a great plan for the future. My problem is that i make money in IM, but i often stop the moment i get comfortable. I never seem to push on and exceed a nice wage into making a lot of money. I think the lesson her(apart from paying debts) is to never allow yourself to get comfortable with your current situation, not just with money, but with relationships and life in general. Don't get lazy the moment you achieve what you wanted, because you will never achieve anything more and you risk losing it in the future.