Worried but also feeling positive

EssexHebridean

Hope  you are soon feeling better BRB - take it easy while you recover fully. 

Definitely start to get a grip/focus on the spending and drilling down into the accuracy of the SOA as well.

Vinknut

If the SOA is accurate then you're actually in a very good position to be able to clear down the debt.

Some assumptions;
1. You're not using the credit cards any more
2. Minimum unsecured payments are interest + 1% of balance

If you assume that you clear down 1% of your balance a month, that's £739 a month cleared just by making min. payments

Add to that the £1,820 from the SOA and that's £2,559 a month cleared off of the debts.

That's "just" 29 months to completely clear the debt.

You would be able to clear down the most expensive debt (aqua) in just 3 months.

If the SOA is accurate...