Hi, I've a fairly complicated financial situation - at the moment it looks pretty awful, but is likely to improve a lot in the next few months. I will get a share of the family home which is currently up for sale, there is currently an offer on it, but we'll wait a little longer. We will accept the offer if no further bids come in. My share, based on that offer, and less fees, would be around E150,000. I am also planning on selling my own home and moving to another small home I own in the west. I would also stand to make around E150,000 on that sale. No guarantees, of course, but based on sales around me recently, I think mine should sell relatively easily. So, within six months, maximum, I would expect to gain by around E300,000. My problem is my current position. I owe around E20k on credit cards and also have a tax payment of around E5k to pay soon. I earn E3,800 a month, but between everything, it's all very tight. (Re the credit card debt: until a year ago I cleared my CC cards debt every month, but I used them to complete the finance of the purchase of my home-to-be in the west, knowing that I could clear them in the months ahead. Not sensible, I know, but it was the only option at the time). Ideally I would love to be able to get some kind of loan to clear my CC debt, a loan I could repay in full in a few months. Because of that debt, though, I doubt very much that I would be approved for a loan. Would anyone have any suggestions on what options - if any - I might have at the moment? As I said, things are very tight right now, so it would be great to get some relief until I am in that stronger position. I had considered applying for a payment holiday on my mortgage, or a mortgage top-up, but I'm with Ulster Bank and as far as I know they're only available to people on variable rates - mine is fixed. Any advice would be hugely appreciated, thank you.