limited in life choices

shadowguard78

Hello,

So where do i start, ive been in debt for over 10 years ( 4 kids didnt help) but ive become acustomed to using my credit cards all the time and now its come to the point where im maxed out on how much i can afford to pay, consolidation loans only lead me to use the cards again after i had paid them off and now i cant even afford them. I spoke to the SC today and have arranged for a pack to get me going and now im just wondering what the next step is to get the ball rolling,
Change banks accounts?
call the creditors?
change all my direct debits or do i cancel first before i tell them?
im just looking for a start point thats all. i get so worried thinking about people coming to the house and clearing me out whilst i work.

any help going forward would be much appreciated

Davy_Jones_II

Most of your ideas seem to be around juggling your debts, rather than repaying them.

To repay you need to be earning more than you spend, and the first step to that is getting a proper handle on your situation by posting a full statement of affairs.