Hi, I've just returned from Afghanistan and have been putting all of my wages into an account for my newborn daughter. I now have 3 grand left over including my tour bonus which I'm happy to use to get other things nipped, and my plan was to put this into my own savings account which is bare after recently buying a car. I have around 3 thousand in outstanding debt which I have defaulted on over a year ago, and have had a lot of problems contacting/keeping track of the various agencies who have taken over the debt,t hey dont seem in a hurry for me to pay it off, and although I'm aware I have massively screwed up my finances when it comes to credit for the next decade, I would still like to pay off all this debt now that I have the funds available. I am keen to change my appaling financial habits and give my daughter the best chances. Is it advisable to use this tour money to do so? Or is it a better plan to kick start my savings with it, and instead to use my monthly wages to pay off the debt which I could manage to clear in around 4 months? Also, I get no communication with these debt collectors whatsoever, and when I do it's always a new company. Where should I go for advice over this mess?