Hi Tamsin, Thank you for your enquiry. Trust Deed Scotland may be able to reduce your monthly payments and even write off some of your unaffordable debt. Our non-judgemental, confidential advice is with no obligation. After speaking to us, you will know what your options are & what your new reduced monthly payments could be. Our office is closed, but we're open again on Monday at 9am. If you'd like a call on a day/time that suits you, just reply to this message and let us know. Our Debt Solutions guide: cutt.ly/tds_debtguide Regards Trust Deed Scotland trustdeedscotland.net | 01412210999