First time poster - needing support!

theoretica

Do you really love your home? Because if you sold it you would not just save the mortgage you are paying (£315) you would also probably not need to pay the management charge (£70) and could pay off a lot of your unsecured debt (say £500 a month). I suspect you could find somewhere considerably cheaper than £880 a month to rent.

Your car is also costing you a lot, but not that much in fuel. Do you really need it? If you sold the flat and rented would you be able to rent somewhere you didn't need a car?

If you managed to sell the flat for £80+k you could pay off most of your debt and I suspect would be able to manage without going bankrupt.

[Deleted User]

Just in case you work in the financial sector, please bear in mind that IVAs and DMPs could mean losing your job...just something to consider.