we moved house and to get us through ive had 4 payday loans since going off sick with stress for 3 weeks i went back to work and dropped my hours to part time we have to pay bailiffs 250 month too as they have walking possession on or house also car finance 251 month its all due out of bank on friday either through debit card and direct debit thats without the rent which is 400 in arrears dont know what to do im stupid i know

Telling yourself you're stupid won't help.

Neither will panicking. You need a clear head to get through this, and the clear message is that, short term, if you don't keep a clear head you will go under.

The fact that you're acknowledging, at last, that there is a problem, is step one. Step two is through the door of your loal CAB or debt counselling scheme. If you don't keep a clear head at that stage yo won't be able to tell them all the things they need to know to help you get your affairs in order.

Right now you're in the toothache stage of debt management - if you go to the dentist it will hurt, and you'll feel embarassed at the state of you teeth. If you don't go to the dentists though, the pain will only get worse. In this case, CAB or a debt manager is the dentist, so get some solid advice, now.

Get in touch with CCCS straight away, no fees involved, very professional and helpful. I have debts of way more than this and have been with them for 2 years and they have kept me sane throughout, it is definately your best route.

Hi - how are you getting on with the loans now? I've only just seen your message but may be able to offer you help if you still need it.