Debt Consolidation

Talk to your commune's CPAS (or Flemish equivalent). Their advice is surprisingly good - and it is free.

I'd agree with becasse, contact your local CPAS. They deal with debt problems all the time.

It's much more serious here than in say the UK to do this type of thing, hangs in your personal finance records for a long time. Try and get someone to help asap to stop you singing I to more debt because the black mark it make stick about much longer than in uk and will affect your a I.ity to get credit for things like cars in the future