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Are you paying a fee to Churchwood plus your payment? Please contact the CCCS 0800 138 1111, they are totally free and will help you decide what is best for you. I have been on a DMP with them for some years now and still have a way to go but I am paying off my debts. They will work out an affordable plan for you but still leave you with enough to live on. You must tell them all your debts so they can work out how much you can afford to pay. They can also advise you if bankruptcy is an option. It will cost you quite a lot in fees to go bankrupt. I hope you find a solution.
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