[i-did-it]

Well said Laura – Tina there are all kinds of private agencies who will advices you but I think Laura is right – go with one which is not making a profit from you .
It’s so hard to stop – but can be done .
Sorry to be a bore (after all I can hardly afford to talk)but have you made sure the extra money you will have is safe – it is so tempting to try win our way out of finacial trouble and we only end up worse off.
Xx