((((((((Lara)))))))))

I also am in debt and know the heavy weight in places on your shoulders. I used to spend hours looking over bills, final reminders, red letters and going over and over our budget as if somehow it would magically change. It never did and in the end it made me suicidal. That was until I contacted CCCS (no charge, they are a registered charity). They are a debt management company who take a list of all your creditors and work out a monthly budget and pay them on your behalf so you have no dealings with them!

If you are in a deficit thay cant help.. but debtfree direct can help you instead.

Another option may be to speak with your local CAB?

I hope you find some relief soon... I really understand and hope you find the help you need. *hugs*