If you are having problems keeping up the payments, you should first talk to the people that you owe money to. Borrowing from someone else to make your payments will make things worse in the long run. Also I suspect that the "companies" that you are looking at will be interested in making money from you rather than helping. You should talk to a debt councillor at your local Citizens Advice Bureau for impartial advice. £3000 is not a large sum in this day and age but it is something that you do need to deal with. At worst, if no other option presents itself, you can enter into an arrangement whereby you don't borrow any more and you pay off what you owe at £50 per month (or whatever it is decided that you can afford) over the next few years. You should visit your local CAB before taking any action along those lines.

You should avoid any scheme or organisation which offers you a quick and easy solution.

I have never wrote a post on anything before, but am getting to the point where i don't wana bury my head in the sand any further and want to solve some of my debt problems so i can start focusing my thoughts on other things.

In short, i have 2 debts and an overdraft facility i want to dissolve, in total upto £3000.

I am not sure of my options or the best companies to use, as i am concerned i will end up being niave and involved in something i can't afford once again getting myself into trouble.

I have tried getting a Loan, but don't get any luck with a poor credit history, and i am starting to think that may be a pleasing now as the temptation may get me in more trouble, is a debt management or consolidation the way to go, or will i be just adding to the debt i have and end up paying more.

As i am sure you have gathered my knowledge on the area is poor, all i know is i owe money and want to sort it ASAP, any help and advice would be much appreciated.