I am in a stupid position, have borrowed far too much over the last few years and ran up credit card bills, I did have an investment property that I knew would clear all the debts. I have finally sold it and now have the lump sum of about 55k available, which should clear all my debts. What should I do, should I keep one of the loans or clear everything. Credit cards will have to go straight away as interest is high, owe about 15k on them. Struggling financially paying loans and cards every month, adds to about 1100 a month. Also have mortgage to pay and was considering moving this year, so from lender point of view having no loans but no money in bank, is that better than having loans with 35k in bank?