Hardship due to credit cards

steam2711_2

My wife and I have a combined debt of around £80,000 over many credit cards. we have have been to CAB, payplan etc but been told that they cannot help as we have a negative income of around £400 per month.

is there anything else we can do, is there help for cases like us for things like council tax etc. we both work full time, have one child at home and a mortgage with fixed rate that Nationwide will not us allow to drop to a interest only.

any help will be fantastic

antarctica

have you been thinking about bankruptcy?

Do you have any assets?

philnicandamy

Have you spoken to any of the FREE debt helplines for advice yet? they cant just say NO we are unable to help....tell them your considering looking at ALL options including bankruptcy & see what they say be worth another try (links below if you need them)