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I have alot of debt which I am paying back at very low monthly payments,probably to about 25 companies,mainly collection agency.Trouble is they will never be paid back for many years if at all.I have considered an IVA but its to much money per month.Have been looking at debt manangement but that still doesnt stop the companies harrasing you for increased payments even though you cant afford to pay more.I dont own my own house so I cant sell that and I have no assets as such.I am employed but with all my outgoings on basic needs and living expenses I dont really earn enough to carry on for years.I dont like walking away from problems but things are getting desperate.
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