Is there any kind of "non ripoff" company in the uk who could help me totally sort out my finances?

I dont think I want an IVR as the unsecured debts are less than 拢5000 ( I think). Any advice would be great..............

Lubey, it depends what you are willing to 'action' for the debt...
As you say, the amount is not enough to offset a possibly Bankruptcy, so are you talking about a loan to cover it off
Would you sell more of your future earnings to cover the more recent debt?
There are easier ways to make that much cash you know.. Could sell your butt, short term discomfort but would easilly make that money in no time..
and who knows, you may even enjoy it a time or two...
Good luck with it though...

www.crown.org ... get a free budget coach.

Not sure why the U.S.A can help with a U.K problem however you have a agency there called C.A.B? start there & work up Good Luck.

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