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Thanks, never thought about the CAB. I lost my job 6months ago and not come close to getting another job yet. Im currently going through tribunal for Unfair Dissmissal but its going to be a while before thats over with. I've worked out that i owe approx £7000 but that is only going to get worse the longer im unemployed. I just feel that the only way im ever going to get out of this mess is by starting afresh and clearing my debts? I've been trying for years to clear them but they just seem to be getting worse, especially now im unemployed.