How can i reduce debt with just 1 creditor (bank)?

Question by Daniel C: How can i reduce debt with just 1 creditor (bank)?
I have a loan, credit card and a large overdraft which i am currently £1700 above my authorised limit. I have been looking at ways to reduce my debt but do options like IVAs require you to owe to more than 1 creditor? I owe approx £25000 and am on minimum wage. Any advice please?

Best answer:

Answer by Judy
Debt negotiation scams are on the rise.
Be careful.
Go to your bookstore and find a book on credit repair or personal finance.
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