It isn't possible to respond to individual queries based on your own personal circumstances. However, if you're in debt crisis, the first port of call is our Debt Problems guide. Our four-step guide shows you where to start and how to get free one-on-one help.
There are some great, non-profit, debt-help charities that you can speak to if you're looking for further help. The main debt help charities include:
You can also post on the Debt-free wannabe board in our forum. MoneySavers will be happy to provide help and support, while you can also ask questions to trained debt advisers from the StepChange Debt Charity.
Money worries can cause untold amount of upset and stress. If you're feeling distressed or in emotional turmoil, then the Samaritans charity is always there to listen, either through its website or by calling 116 123 (UK and Republic of Ireland).
For a full guide to handling debts when stressed, working with banks, getting free one-to-one debt-counselling, and specific tips for those with bipolar disorder or depression, read our free Mental Health & Debt Help PDF booklet.