Hiya, Your not alone with running updebts. I wasnt aware i was Bipolar at the time but once diagnosed i found out that mad spending sprees were part of the many "things" we do during one of our episodes. In a period of 6months or so I've managed to get not only me put also my poor Husband about £40,000 in debt through credit cards, loans,store cards and such like. I am terrified as to what will happen but for 3 months i never opened any post and there was a pile of at least 100 letters from all these debt collection agencies that we owe. Last week i sat and opened every single one, sorted them all into the relevant debt and put them in plastic wallets in a file. I phoned the National Debt helpline and got some paperwork from them explaining the various options to deal with debt. Our only option is Bankruptcy and now I've gotta fill in lots of forms and attend court so for the past few days i've hid the file out of sight while i build up the courage to begin tackling the problems. It isnt going to go away and no one is going to come and sort everything out for me and it is my own fault so my responsibility. Hopefully once its wheels are in motion and the process gone through i will be able to feel that at leasti have dealt with it. You can do exactly the same, its hard but better to face the problem head on instead of pretending its not real. There is people who help with debt problems so just start ringing a few up to see where you stand and take it from there. Good luck