i have been in the situation of almost losing my home, not enough money, work sporadic, debts coming at you, i do know how it works, but sometimes you can't just hide your head and say not me, CAB are very good at sorting out debts, and welfare rights officers can be sought via councils. I remember what it was like staring at the bank machine when it swallowed my debit card, insufficient funds, and thinking how am i going to go on.