I have started counselling and it is really helping me get back in control because I felt like I was loosing it there for a minute. Last week we went to see a friend who deals with debt and he referred us to piggy's avoiding bankruptcy . It was so helpful and it is now looking like we might not have to declare ourselves bankrupt after all. I will let you know how I get on, by the way does anyone know how to get control of spoilt kids they are still finding hard to grasp that we have no money at the moment.