Young, Stupid & worried

Tedrick_2

Hi Guys (&Gals),

Looking for some advice.....

I was stupid when I was a young buck, and got myself into quite a bit of debt quite fast, 2 or credit cards, mobile phones & loans.

I seriously tried to get this sorted 3 years back prior to the birth of my son, and for 12 months, paid into a Debt Management plan offered by Harrington Brooks (AllClear finance), But after this 12 months, i started asking questions and the company 'lost interest' in me.

I was paying £250 a month, which was brilliant, but i was not getting regualr statements, and when I did, there wasn't a whole lotta change after all payments had gone out, even after 12 months!

The company stopped contacting me, and the creditors did....

I am now out of work, failed business venture

I live off my partners income, luckily, we do not pay rent as I live in my mothers second house.

I claim dole, which I hate, and getting back into the rat race is proving difficult.

I currently owe approx. £9k, and have no way to pay any of it back.

Would you say BR is the way forward?

Or am I being a little pesimistic?

Any help would be appreciatted.