Firstly I want you all to look for more worth while causes to donate to be you consider myself. There is lots of more causes deserving of your donations.

Please consider them first.

Why am I on here? - Well simply put I am lost, ashamed of myself and constantly walking around with the feeling I have let my wife, my baby daughter and my family down. I keep battling with debt and getting myself into situations I struggled to get out of and now that I have a 5 month old baby girl its time I sort myself out and this is something I am determined to do.

We are currently looking for a house to bring our baby girl up and give her the life she deserves but I am scared senseless that my debts and bad credit rating will affect out chances of getting a mortgage. I need a clean slate to clear my debts so that when we apply for a mortgage, yes I may have some defaults on payments and credit score maybe bad but at least there is no outstanding debt. Plus we are looking to move in next 2 years at least it will give me a least 6-12 months where there is not defaults. I know there is a lot more to take into consideration when it comes to mortgages but I want to make sure I can do want I can to improve my chances.

Why donate to me? - this is my last chance to be honest, I have exhausted all possible ways to clear debt without affecting chances for getting a mortgage. If I go down debt management route that's another flag raised against me and that is what I am trying to avoid.

You maybe sat there reading this thinking if I donate and he clears his debts what stops him falling back into his old ways and building debt again. The simple answer is my wife and 5 month old baby girl. When I hold them both and look into their eyes I worry about the future, how can I support them both and how can I call myself a father or a husband when I cant look after my own debts.

Thank you for reading my story and I hope you will help me to provide a better future for my family.