This is terrifying

CoffeeAndCake

Longtermplanner,

Thank you very much for your post. I had no idea. Obviously quite a lot of our income is DLA for my son and myself.

I will talk to StepChange again and ask to speak to an advisor who knows more about DROs. Thank you again.

UpToMyNeckInIt

Good advice from longtermplanner.

A DRO sounds like a good option.

Unfortunately, the downside of the debt charities is that they are sponsored by the banks etc. They therefore not as impartial as some suggest, and tend to suggest DMPs more often than not, as that provides the creditors that provide their funding with a 100% return.

If your income is made up solely of benefits, then you should not have £50pcm spare.

A DMP is fine if you can realistically pay it off in 5-6 years. Much more than that, and one of the insolvency options is worth considering.

Good luck.