i run up alot of debt few years ago, was in a good paid job and paid them every month without fail..
i ended up being signed of sick from work and i had the insurance on the cards to cover when that sort of thing happened but only one would pay up on this
so i asked them to have reduced payments till i went back to work as was finding it hard to pay again only 1 done this so i had to carry on paying but finding it very hard to meet the lowest payments
i had a baby and carried on paying as they were mostly my debt along with bf's at the time

i lefted in the august of last year and all the debts were in my name so i carried on paying them but getting more and more stressed because i felt i wasnt giving the baby the things she needed and was always struggling with the money i was getting a week

i spoke to the companys i owed money to many times but they couldnt help me anymore than what they were at the time

i looked into the iva because i knew was my debt and i did want to pay them but they told me the money i was getting in they cant help me

so i went bankrupt end march this year