Answer: -Perhaps she should take out a bank loan for Ј3,000 and repay the card. The interest on teh loan will be less and she will see the balance go down each month if she just pays as much as she is paying now. It might be even cheaper if you, if you wanted to, took out the loan . -The worse thing she can do is get more cards!!. If she goes to the CAB (Citizens Advice Bureau) they ahve debt managers there who can talk to the credititors on her behlaf and arrange easy payments incl the interest fee, the companies will work within certain peramenters, providing that the payments are kep. AS a safe guard may I "Suggest" she pays for everything with cash as everytime you use the card you get charged. -The rules are different in Scotland from England and Wales - so first if you are from Scotland contact the Citizens Advice Beaurea who will give you free advice. Also look into getting a loan (or if at all possible a re-mortgage, as this will give you the lowest possible interest rate) get the full amount repaid - which will stop you having to pay card protection and insurance fees. If however its England I'm afraid I cannot give advice as I'm unaware of their rules and regulations. I hope she managed to get herself sorted soon. -She might be better off clearing the balance with a personal loan as she will have a fixed monthly payment and the debt will be cleared in a set time but she needs to cancel the card, not just cut it up, so that she doesn't run up more debt.