I was at my wits end robbing Peter to pay Paul, then I couldn't pay either. It didn't matter if I did overtime at work still couldn't manage, this took its toll on my physical and mental wellbeing. I thought about getting help but thought I could manage, but of course I was only kidding myself. I plucked up the courage to ring this debt management up, it was relieving how nice the staff was and willing to help me, even when I message them they are very quick to answer you back. I now feel much better that they sorting everything out for me and I just pay so much a month. I have my life back and have no stressors of worrying about it, I'm currently doing a IVA and not having to look back at my decision to do this, my advice to you is to get your head out the sand and get help, I recommend this way to everyone in financial difficulties.