New to this and feel a bit lost 28 February 2009 at 9:20PM in Debt-free wannabe 5 replies 696 views

louisa29

i'm approx 20k in debt. i only earn £800 a month take home and not sure how to get out of my mess, i have a couple of ccjs too.
At the moment i'm thinking of using a debt management program and would like some recommendations or advice about what would be best for me to do

thank you

cally6008

cccs and national debtline are free

10past6

Hi Louisa

Welcome to the forum

louisa29 wrote: »

i'm thinking of using a debt management program

Take a look at my signature

~Yorkshire_Belle~

Grab a cup of tea and fill out your SOA as a starting point, but looks like you will need to take some advice from somewhere ( see sticky at top of page). Lots of folk will come by to help, possibly need to keep upping the post as it's Saturday night.
There is always an answer - usually means having to make some changes in the way we live our lives but we still get to live life to the full but in a DFW kind of way!

louisa29

thanks everyone you've been extremely welcoming i'm very proud of you on the road to recovery btw xx hope to join you soon :T

ladybez

Louisa, Can't really offer any ideas but you will find plenty of help and support on here.