I got heavily in debt with credit cards, catalogue debts and store cards. I have council tax arrears and rent arrears. I also have arrears with my gas and electricity bill. I’ve had debt consolidation loans in the past in did not want to go through that again. My friend told me to use budgetminder.co.uk to write to each of my creditors with full list of all my income and expenditure along with an offer of monthly repayment that I could afford. This is exactly what the Citizens Advice Bureau did for her and her creditors accepted the offers. It worked for me and now I am getting the arrears down without having to get further into debt.