"We were in downward debt spiral. We had £23k debt, robbing Peter to pay Paul and there was no light at end of tunnel, no way of paying it back. We were looking at bankruptcy but had no idea where to find a sympathetic insolvency practitioner and were too embarrassed to ask friends for advice. After searching on the Internet we came across [insert name of website] and plucked up the courage to ring and talk to them. Sometimes it’s easier to talk to strangers than friends or loved ones.

They were very friendly and non-judgemental. After hiding our situation for so long it was a relief to talk openly and frankly with someone. We talked about a debt management plan, but decided against it because of how long it would take to pay everything back and we would have to put up with creditors hassling us all the while. We’re now 5 months into out Trust Deed and all the pressure is off. Sometimes it’s weird not being able to reach for a credit card whenever we want, but that’s a small price to pay for the amount of peace the Trust Deed has given us."

"I had my Light Bulb Moment – the moment when it hit me what trouble I was in – while I was walking home from work. Suddenly it was very clear. I’d racked up £40,000 worth of debt from credit cards and loans and I was drowning. Suffocating. I was in deep water it was lapping up around my nose.

I looked into my options and the Trust Deed seemed to make life simple. My life hadn’t been simple for years, just an endless round of struggling to make the minimum payments. After 12 years of not having the first clue about my finances, the Trust Deed gave me the opportunity to start again with a clean slate.

In a few months I’ll be debt-free. Finally there is light at the end of the debt tunnel."

"For anyone with a huge pile of debt, take a great big deep breath and go for a Trust Deed. When everything is looking desperate it’s difficult to focus on finding a solution and but knowledge really is power, and the advisors at [insert name of website] are very knowledgeable.

We’d both been made redundant and had been living off credit until we’d simply used it all up and had to start missing payments. Month after month we thought one of us would get a job and everything would be ok. It never happened though but we kept our heads in the sand and hoped it would all go away. It didn’t - the creditors just got nastier as the months went by.

We spent a whole weekend reading everything we could about getting out of debt and by the Sunday night we’d narrowed it down to either a debt management plan or a Trust Deed. Armed with everything we’d researched, we rang and spoke to an advisor first thing on the Monday morning. By Monday afternoon it was settled – Trust Deed it would be!"

"I felt sick when I realised how bad things had got. For me there was no other real option but a Trust Deed. It was either that or sequestration. Even though my best friends said I was daft to consider anything but sequestration, a part of me refused to give up. I’d done really silly things to rack up the amount of debt I did – nearly £17,000 - and felt I had to try and pay something back. I don’t earn a fortune, but after all my household bills are paid I have enough to enjoy a few treats and make a dent in what I owe. Best of all the creditors have stopped bugging me. That got quite frightening and I’m so relieved that’s all stopped."