Thread:Hannahc12/@comment-28694170-20160701194649/@comment-27334049-20160701220355

Hannah, Merri has given you some excellent resources. Your debt is a symptom of the bigger problems. Even if it was wiped away, it would come back because the root problem is still there. Your husband needs counseling to deal with the problems he is medicating with alcohol and shopping. He needs to do it for himself because he deserves better than what he's giving himself. From what little you've told of him, he seems to be there for you and his child, but then he's not taking care of himself. That happens a lot with people. He needs to take care of himself so that he can take care of his family.

I also don't know a lot about what is available and what the laws are in England, but try looking into credit counseling that is available through a government agency or a charity, not a company run which are usually scams. They can help you with dealing with your creditors. In the US there are laws that protect you from creditor harassment, and I'd imagine the UK has similar laws.

Just remember that money gets distributed to food, medical needs, shelter, utilities, basic clothing & basic transportation before anything else. Those are needs. Anything else is a luxury right now. Start there....start small. With everything else you've been through, this will be easier than you think. And you have a great support system here to cheer you on.