I would like your advice steev on how you managed over 20 years to pay off your debts. My big debts r so big that I struggle to deal with them and I put these off because a) require long letters and evidence that I don’t have the time to do and b) I don’t think I can pay them off before I retire. So putting off the inevitable which advice has always been bankruptcy. But I wondered how you had the patience over 20 years, cos I don’t have that and pay g out huge amounts of money every month on debts I find I can’t begin the uphill struggle of the big debts. Have sorted out the smaller ones ie keeping my home etc.
