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You can also find charities who specialise in debt 'counselling'. As well as helping you with stuff like budgeting and simply talking it through, they have collective strength to strongarm creditors into freezing or reducing or writing off debts, and agreeing to achievable payment terms, which you couldn't achieve yourself.
The moneysavingexpert forum folks will lead you to those as there are some cowboys around who use similar names and cost lots.
"You’re just a bad memory who doesn’t know when to go away" JR
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