I have alot of credit card debt. I pay the minimum payments every month but can't afford much more. I have 2 young children who i'd love to be able to buy things for. I'm not looking to clear all my debts but a helping start so hopefully i'll be eligible for a consolidation loan to clear the rest. I have tried debt charities and they can only offer IVA or bankruptcy which at 29 year old i don't really want to do. I want to be able to pay my debts myself as i'm the one who used the money. Now the interest rates are crippling me and cards companies won't help me much more. I'm not normally a one to ask for help but i need to ask and see if anyone would be generous to help.

Any donation will be greatly appreciated