My suggestion is trying to obsord as much information as you can before making up your mind,here is a good one.

You certainly aren’t alone, so many are facing the same thing.

What you need is a third party, independent advocate, to intervene on your behalf. Call Lifeline or the Salvation Army and ask to speak to their financial counsellor. If you belong to a church, they may have someone who can help you. You may have to wait a little, but do explain how urgent it is and they may be able to delay things for you. Whatever you do, don’t go into further debt, trying to get another loan to pay out what you already have.

Also please don’t get involved in any ‘new schemes’… you have to work with what you have now. There is light at the end of the tunnel.

Best wishes.

You have to offer to pay something. Go as low as you can. One debtor at a time.