Feeling like there's no way out
What started as a short-term solution to make ends meet quickly escalated to unmanageable levels.
Jamie continued: "The debt started to get worse, the defaults started to happen and the letters started coming through the door. When the phone calls and letters just kept coming and coming, that's when my mental health started to take a toll.
"My anxiety levels were through the roof. I was worried that I was going to lose everything.
Feeling unable to talk to his friends and family about his debt worries, Jamie turned to the web for help, where he found StepChange.
Taking action and asking for help
He used our free online debt advice tool and created his own budget. He then had the confidence to pick up the phone and call our debt advisors.
"The advisors were really friendly, helped me out. They made me understand where my money was going, and decided that a debt management plan might be the best way to go.
"After that phone call, I felt a lot better. I felt like so many tasks were taken off my shoulders, that someone else was going to help me get through to where I needed to be."
Coming through the other side
"Once I was on the plan it was amazing. I had nothing to worry about, I just had one simple payment coming out of my bank.
"I feel like I'm actually getting somewhere. I can see the debts going down, I can see that I'm actually making progress to where I need to be. And I'm feeling a lot better with my mental and physical health."
Don't go it alone
"The one thing I'd say to people who have a problem with their debts at the moment, or think they might be having a problem, is jump online, have a look at the budgeting tools. Have a look at all the StepChange articles, and actually see whether it's manageable, or whether you might need some help.
"If you do get stuck on the website, you can just give them a quick call - they're all friendly enough to give you the advice without any judgement.
"StepChange have helped me in a really unbelievable way, and I feel a lot better with where I am now than where I was."