I’m 27 years old my name is Tiffany, My ex husband (children’s father) had a gambling problem that I knew nothing about our marriage failed and he’s disappeared not even in contact with his children. I have lost my house and I’m left with a lot of debt £43,652.87 to be exact, credit card bills, Unpaid loans, money owed to utilities that I was unaware were not being paid and they are all in my name as he’d also got himself into quite some debt. I can’t get any credit and with 3 children I feel I’ve failed them especially due to Christmas coming up. We have moved into a friends two bed house but unfortunately there isn’t enough room as she has children of her own but I am grateful just to have a roof over their heads. I just can’t help but feel guilty that we are in the way and my children are on blow up beds and sofas. I just need to clear this debt as I won’t be accepted for a mortgage or even a private key house I am well I was a very proud person but this was my last option. Thank you in advance for any help.