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Hi Gov

£1000 a month to one card is a huge payment, whilst the question isn’t can you afford it, the question would be will you sooner or later potentially resent recovery as you see no light at the end of the tunnel due to having to make so many drastic cutbacks

Have you considered something like a debt management plan, a plan that allows these cards to be paid but at a lower monthly payment and possibly over a longer period of time allowing you to have a few more pounds to have a few treats but knowing that your being totally responsible for your debt still.

There are numerous companies out there. the most common one has rebranded from CCCS to Step changee