Welcome Marling you are in the right place.
I am also new but I have learned a lot in the last 3 months. I would offer the following that has helped me.
- Perform all correspondence with creditors in writing only.
- If you have not already done so then setup a lever arch file where you can keep all paperwork.
- Send all mail Recorded delivery and staple all proof of postage to the letters.
- Never speak with them via phone and ignore home viisits. Under no circumstances allow them entry to your home. I suggest sending Harassment by Telephone and also Harassment and threat of Doorstep visit(if they threaten a visit)This may seem like overkill but it gives you peace of mind valuable time to think and relax.
- Listen to the advice from Niddy and his crew. Trust them 100% and follow their advice even if you feel unsure. if you do feel unsure then simply ask for clarification and then follow the advice. I have done so it has changed my life immeasurably for the better!
- Relax.......this seems hard I know but having read your posts it appears your debts are on Credit Cards and/or loans. I would just ask are the loans secured?
- Ask for advice and join in with the chat on the forum as it will help you to realise there is a life to be had and being in debt is not a crime!!

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