You need expert debt advice as a matter of urgency. The sooner you contact the appropriate agency, the sooner you will be able to manage and cope with your finances.

Citizens Advice are leading experts in money advice. To find your local office click on this link: http://www.citizensadvice.org.uk

Good luck.I'm in exactly same boat so here's what I did:
1) move bank account to one where have no debt for bills & wages
2) contact CCCs for debt management plan, they're fabulous & very non-judgemental & will go through income/exp & set up plan for what can afford & contact creditors – mine have even stopped charges & interest whilst I repay.
3) leave house & mortgage as it is

Good luck, there's always some way out.Sounds to me like a financial advisor is needed in the short term. If you are interested in a way to supplement your income in the long term check out affiliate marketing on my website http://www.create-money-online.com.
I would seriously suggest you talk to your mortgage company. They aren't tyrants and would like you to be able to pay in the long term.That's a significant debt, but all is not lost. The fact that you have that income is very positive, and means that you can actually tackle this debt and win, but it will take some time.

You are looking for help, which is great. Just be careful to avoid any advice that involves debt consolidation or taking out a loan secured on your house. Also avoid like the plague any get rich quick schemes. You need unbiased help, not someone trying to sell you something.

Your approach will need to be to create a Financial Statement to see exactly where you are, and begin to prioritise your creditors then negotiate with them. With a bit of help you can handle this yourself, without making your debts worse by paying someone else to deal with it.

You can find detailed guidance on this on the website below, but you should also seek advice from your local Citizens Advice Bureau.You asked the same question 4 times, so I put my answer here because it had the most replies and I hoped you would read it. Simply, pay your priority bills like mortgage and council tax, dont get another loan cos they wont give you one in your situation. Very importantly, check if your credit cards or personal loans were taken out before 1 April 2007. Then visit www.bdebtfree.info and they will help you get them legally cancelled. Good luck.

 

More information related to consumer credit card counseling