josh spoke to me and showed me plenty of options I could take I was very worried about doing this but josh helped me to chose and I am glad he did after a lot of sleepless nights I now feel I can move on ,I felt at ease after I had spoken to him I then new there was a light at the end of the tunnel .and when nick rang me the day after I then new, things were going to change for the better, don't wait until things get bad that you cannot cope with your debt problems quality insolvency services ltd are there to helpyou and you wont regret it I promise I am glad I did it thankyou lads for everything carol.