Hi.
Myself and my husband are in serious debt and I cannot see a way of getting through it.
We have a large unsecured loan with Northern Rock which means we can't go down the IVA route.
We have been getting advice about it and in the process of starting a debt management plan but if we pay what they suggest it could take 20 years to clear our debts.
I feel so depressed and exposed talking to complete strangers about our financial troubles and I feel like I have let my children down.
We have sold our house and live in a really grotty hole and I feel like I can't go on any longer.
I don't know how we got into debt. We don't go on holidays, have expensive cars or even have a social life. The last time we went out was 18 months ago.
I cannot bear it any longer.
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