hi all rite without goin into to much deltail im in 15k worth of debt afta a breakup. Im on a debt managment plan but there rippin me off so i dropin that. Iv moved bk to my mums for a while to get my outgoings down and should have 600-700 spare each month, the debts are
loan £7200
credit card £2000
overdraft £2500
Electric bill £400
2 contract phones £800
loan £800
cataloge £445
my question is i wanna deal diectly with them and settle asap with them can i ask for a reduction in the debts if i pay the off at 600 a month is how much would i get them reduced by?