Up to my neck in it...

Telemaster

I won't go into why I got into debt in public; it's just too painful. I am talking to somebody about it, though. Suffice to say it won't happen again. One thing I've always been able to do is learn from my mistakes, and this was the biggest one I'll ever make.

andyfromotley

Given the large amount of equity you have in your house i what you are planning may be viable. However Pixie has hit the nail on the head, you have to make sure it doesnt happen again.

However if you are not making your payments you are trashing your credit history now, which may make rebuilding more difficult. Don't discount a DMP, speak to Stepchange. These are big decisions and you want to get it right.