[Vicky.]

Originally Posted by farhad

I didn't open the letters, and I feel guilty of it, otherwise I could of sorted it out earlier. I didn't open it as I didn't want suffer more stress after just finishing my study.

OK, by trying to save yourself stress, you have created even more stress for yourself...as if you had opened the letters you may have been able to arrange some way of paying the debt off gradually.

You *might* still be able to do this. I suggest contacting a lawyer in the morning (if you are in receipt of housing benefit you should fit the criteria for legal aid) and also possibly contacting your landlord and explaining your situation and offering a payment plan of whatever you can afford, though it may now be too late to do anything about it.

Out of curiosity are you private or council?