very important you get good advice. I would suggest Citizens Advice as a starting point. Where you go for help depends on several factors. Where do you live in UK, England, Wales and Northern Ireland have different legislation from Scotland. do you own your home, do you have equity in it, are you working, are the accounts in arrears? all sorts of things you need to consider. Avoid borrowing any more money until you have had advice. If possible avoid borrowing more money completely. speak to several people to get an idea of what might be possible and do not pay any fees especially up front!
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