This is my story. I am 30 years old and I am in £20,000 debt. I was young and naive and I had my hands on numerous credit cards. I had access to more money than I knew what to do with. I just didn't think about my future when I was spending. I was stupid and just didn't think when I was using these credit cards. Now I'm 30 and I'm really really struggling with payments. i work full time And have completely stopped spending. I live with my parents. My father is disabled and my mother his full time carer. I also care for my father when not working. I just want help to get rid of this debt so I can start living and start planning a future for myself. Right now I'm just stuck completely stuck. i want to be able to own a home one day and do something with my future. With all this debt I literally have nothing left at the end of the month. I just need some help. I know people will thing this is very selfish of me and I know there are so many others in a far worse position than me. But I am trying myself. but what I'm earning is just not enough to cover my debts. I am already 30. I can't go bankrupt now. I'd have wait years and years for me to rebuild my future. A little from you will mean so much to me.

This isn't a scam or fraud. I've hidden my debt from my family and friends. The embarrassment is just too much for me. I'm scared of what they'll say or do. I'm already suffering and I don't want anymore stress from them. Any money I receive on here I will pay directly towards my credit card Bills. I will post pictures as proof as payments towards the bills so everyone who has helped me knows I'm being honest and isn't a scam