See my answer in the forum discussion entitled debt help - you need to have either a debt management plan or an IVA - definitely not bankruptcy. Dont borrow more - there will be plenty of companies who will still lend you money - ignore it the only answer is to tough it out. Cut up all the cards, list (honestly) all the debts and who they are owed to then ring someone like the CCCS - who will administer a debt management plan for you for free. There are plenty of other companies out there who offer debt management plans - but NEVER pay for anyone to manage your debt - this is money that could be going to your creditors. Act quickly - once a plan is established you can refer any creditors to the CCCS and eventually once all the companies have accepted their new reduced payment the stroppy letters and threats will dry up. You will find that some will not want to accept the reduced payment and they may wish to pursue you to a County Court Judgement - where they will will then accept the same reduced payment - this is just to punish you. If something looks like its going to go down the CCJ route you can always offer to pay them a little bit more outside of the plan if they cease action.