First of all, a massive thank you to the Trust Deed staff and especially to Kevin Mapstone, AMI Financial Services for his professional advice and assistance. I decided that sequestration was the best option for me and with Kevin's assistance, I have to say it was very much a quicker and more simple process than I imagined. After years of struggling, constantly robbing Peter to pay Paul and feelings of despair - a mighty weight has been lifted and although I have to pay a set amount for the next 4 years, I don't mind because there is light at the end of the tunnel. One thing I would strongly recommend. Open up a Basic Bank account with another bank. I changed banks but opened an ordinary current account. Today, it was frozen and I spent a morning in the bank and on the phone sorting it out. I now have to change all the direct debits again. The staff in the bank were very professional but I felt very humiliated by it. Remember - Sequestration might not be the answer for everyone but it was fantastic for me - Just remember .....get a BASIC BANK ACCOUNT ONLY. Oh and another thing....if your bank is taking your benefit payments to offset overdrafts - it is illegal. I only found this out a few weeks ago.