I did not know which way to turn regarding my debts...... One thing for sure, I could not deal with them on my own, nor keep trying to hide from them. I tried........ But the outcome was obvious. I read about trust deeds, etc, and after much thought, 'phoned KPMG and spoke to Caitlin, who explained everything in a knowledgeable and friendly manner, and sent me the forms to fill in. My wife did not know about the extent of the debts; however when I explained everything to her she asked 'why did you not get help earlier?' The trust deed started: I felt relieved for the first time in years, and now, 3 years later, it is completed and I am discharged debt-free. Of course my credit rating has gone totally: but now, if I cannot afford to pay cash there and then, we wait. I have learned a lot from this experience: You cannot do it yourself. GET HELP!