You cannot offer money you have not got change solicitors for a start and yes debt counsellors can be very good like the local welfare rights in your town hall or CAB the 6 year rule ,if you had officially handed in the keys why were you paying and why did they accept your insurance money? when they bought your debt how long did it take them to contact you what pressure did they put you under-did you have legal advice at the time ,many questions on this one and more thought required to there answers(posted 9044 days ago)yours
charles twford