DMP and two properties?

Ginger_Eyebrows

Hello

I'm new and looking for some guidance - please.

I've been dealing with my debt problems for the last 2 years as a single mum until recently. I started out with over £26000 worth of debt which through tight budgeting and part-time jobs I've managed to whittle down to £21000. All my debt is unsecured, I have an interest only mortgage on my house and payplan currently help me with a DMP. To say the last two years have been tough would be an understatement. At the moment I can only afford to pay £125 per month towards my debts and my creditors are beginning to "tighten" up- which is understandable.

I've recently started working full-time and my boyfriend has bought us all a house to live in together which we hope to move into together just before Xmas.

My dilemma is this: Do I sell my house and my only security which would clear the rest of my debt, or would my creditors allow me to keep my property and rent it out which would provide some income to help clear my debts sooner? Also, I'm aware once I move in with my fella that his income would be taken into account but would they allow us to have two mortgages in the budget? Whilst we run two properties the amount I can offer them only increases by another £100 or so, making a total monthly offer of £225 or thereabouts, until I get a tenant for my house which would mean I could contribute another £300, making a total of £525. My fella is happy to help contribute towards my debts but as the debt was run up by myself and my ex I don't feel comfortable with accepting his "help".

Please don't judge me too much. I want to pay this debt off, I know I owe it. But what would be the best way forward?

Please feel free to ask me any questions, maths isn't my strongpoint(!) but I believe my calculations are reasonable.

Thankyou.