I was so stupid when I first moved out of home and get GE money finance for the things I needed to set up house. I couldnt pay it off and the interest at 28% was klling me. I have recently set up an agreement with a credit agency that now has the debt that I have a fortnightly direct debit (that is going to hurt me) to pay it off within a year. No more interest either.

Like CQueen said, look at gettign your debt put into one payment which freezes all interest then you should get somewhere with your debt. Soem of these agencies can even compromise with the people you owe money to to lower the amount that you owe.

GL hun