right i owe quite a bit of money have crap credit score what do i do to sort it out ??????

[dressedupnowheretogo]

i cant get a loan or a nother credit card to transfer the balances on to or extend my credit limit on my cards so what do i do ???

is bankruptcy an option?

You really don't want to get a loan or card you need to write and offer a small amount each month to each creditor and get them to agree it.

Go to CAB.

IVA if you have a house, if not bankruptcy would clear them quicker
For IVA we had ot have over £15thousand of debt

Definitely call CAB. Another loan orcredit card would just make your problems worse.

Banks are much more sympathetic if you advise them you are having problems, rather than waiting until it getsworse and worse.

Also go to moneysavingexpert.com. You can get brilliant advice from that site

cool
wil iva deal with 2,500 i know its not huge but thats half my yearly wage

cool
wil iva deal with 2,500 i know its not huge but thats half my yearly wage

cool
wil iva deal with 2,500 i know its not huge but thats half my yearly wage

cool
wil iva deal with 2,500 i know its not huge but thats half my yearly wage

cool
wil iva deal with 2,500 i know its not huge but thats half my yearly wage

At that amount I wouldn't go for a formal arrangement if you can avoid it. Are all your debts credit cards or unsecured personal loans, or do you have council tax, unpaid utility bills or rent/secured loans to deal with? I ask because the latter are considered priority loans, because of the possible effects. For credit cards, better to say you're having difficulty and offer a token amount each month. As newlifenewname suggests, go to the CAB, as they can help talk to your creditors.

no its just credit cards im very embarrassed to say i only cleared my debt two years ago and here i am in the same boat again

thanks to everyone for there advice