Doing a dwp after accounts default and pass on to debt collectors?

K._Anon

Hello dear people,

I've come across these forums after trying to do as much research as possible about my current situation. I feel so desperate.

I lost my job in February which was a live in job and havnt been able to secure work up until now, during this time, even though I've been in contact with my creditors my breathing space has ended, 2 of my accounts have been defaulted and my credit card account has been terminated.

My head has been all over the place for months and I idnt really understand my situation and how bad it could get.

I owe something near 9k of debt with my bank loan being the biggest, overdraft, credit card, a catalogue account, 3 payday loans and I'm just trying to pay my phone bill up to date.

I've never been so scared in my life as I'm staying with my father who doesn't really know how badly I've messed up just yet, we've never had a good relationship and my mother hasn't spoken to me since I was 18 (I had a complicated childhood). I'm so scared hell lose it with me and make me leave.

I currently havnt slept or eaten for 2 days and feel so ill with anxiety. I've been speaking to payplan who are trying to push me for an iva as I expressed my concerns about my father finding out. After considering things, I'd like to go on a dmp and try and pay down as much as I can with my current job I've not had for long, I started on part time hours but they are increasing and I'm in talks with the manager of a different store but same company to give me more hours.

I'm trying to look for better work but I'm so stressed and sick at how bad I've let things get.

Does anyone have advice on going on a dmp after being passed over to debt collectors? I'm so worried they won't agree with the payments I cc an make each month and that things will get worse and eventually they'll send baillifs to my fathers house and god only knows what will happen, Im hoping I'm going to be on and not made to leave as I have nowhere else to go.