Consolidate your debts at http://www.drcredit.com/. Look for ways to maximize your income. Allowances are essential in boosting your financial statement. If you are unemployed, you could apply for a lob seekers allowance. If you are employed but are on low income, you could make use of working tax credits and income support. Incapacity benefits are also available to boost your income generation so that it gets maximized fully. This process is salient to reassure your creditors that you have exhausted all available options.

Scrutinize your Expenses
You have already taken all steps to increase your earning as much as possible. You can now shift to your household expenditure as you have described in your statement. Certain expenses are open to criticism by creditors. Leisure and holiday budgets should get reduced significantly. Costs for car fuel and other forms of expenditure like alcohol, cigarettes, and betting should be reduced drastically as they do not constitute the essentials that you cannot do without like food. However, shopping for foodstuffs should be regulated by family size and not preferences. This area incurs a lot of deficits on your financial statement if not properly scrutinized. After reviewing your income and expenditure, it is then safe to forward your financial statement to your creditors for further negotiations.

Commence Negotiations with Priority Creditors
First deduct your expenses from your total income and see what you have left. The moment you realize your assessment is negative, try and make an offer to settle for the most convenient form of payment. Please note that while making suggestions, do not negotiate all of your available earnings to one creditor, prioritize on the most urgent fines forthcoming, and do not commit yourself to pay more than you can afford since these payments will be recurrent till completion. This way you will be better placed to manage your debts effectively.