Help with debt

1 Post
Newbie
I have £8500 of credit card debt and 1 CCJ and I don’t know how to start to deal with it. I have a payment plan for the CCJ but I haven’t been in contact with the other companies for quite some time. I want to finally sort out my finances once and for all as it’s causing me so much stress. What is the best way to do this? It’s been suggested I take out a DMP or IVA but I’m studying to become a bookkeeper and would like to purchase a house one day in the future if possible so I don’t want to go down a route that would be bad for my future plans. If I contact the companies myself what order should I be doing it in and how much should I be allocating to each one? Is there a better way to be doing it or just start with the first one on my file? Sorry for sounding clueless, I am really lost with what to do for the best.
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It will help you to get together a years worth of statements - bank account and credit card - plus statements for any loans etc you might have. hit the "format for MSE" option at the bottom, copy and paste into this thread and we can take a look and see what suggestions we can make for you.