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@buzzard >Overall Comment/Thank you Best of luck OP, I would say a fair few people on this sub have been in your shoes at one time or other. I know I have and while it takes a bit of work to be financially independent, you can turn stuff around

@buzzard Well only you know the downside of doing this but personally I would go this route. Get rid of those cards and the monkey on your back.

@buzzard Wouldn't think this be straightforward but specialist advice could help you find a solution. 20k would transform your situation. Do you have any family or relatives connected with your property that might take a half share or anything like that?

@buzzard Have you looked into some kind of equity release on your property?

@buzzard Do you have a mortgage on the property you own?