I am really desperate for some help.  My SOA is shown below.  I lost my job about 2 months ago due to a lack of work in construction.  I am now in Canada whilst my wife and 1 year old daugther are in the UK.  I am currently sleeping in my company car as I cannot afford rent or anything else for that matter.  I am not really managing to even make my minimum payments right now due to various factors incuding everything being very expensive in vancouver.  Beautiful place it certainly is, cheap definitely not.  I am just falling apart and feel I am failing my family and I just dont see any way out right now.   I cannot even afford to change my flight to get back to the UK

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 2000
Partners monthly income after tax....... 900
Benefits................................ 80
Other income............................ 0
Total monthly income.................... 2980

Monthly Expense Details
Mortgage................................ 950
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 8
Council tax............................. 136
Electricity............................. 35
Gas..................................... 65
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 10
Mobile phone............................ 35
TV Licence.............................. 13
Satellite/Cable TV...................... 25
Internet Services....................... 10
Groceries etc. ......................... 280
Clothing................................ 0
Petrol/diesel........................... 50
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 160
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 7
Pet insurance/vet bills................. 0
Buildings insurance..................... 20
Contents insurance...................... 20
Life assurance ......................... 39
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1953


Assets
Cash.................................... 0
House value (Gross)..................... 190000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 190000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 174000...(950)......6
Total secured & HP debts...... 174000....-.........-  

Unsecured Debts
Description....................Debt......Monthly...APR
HSBC credit Card...............3000......75........19
MandS Credit card..............11500.....298.......21
Northern Rock Loan.............10000.....210.......5
Canadian Credit card...........3000......80........23
HSBC Credit card...............8000......200.......19
Total unsecured debts..........35500.....863.......-  


Monthly Budget Summary
Total monthly income.................... 2,980
Expenses (including HP & secured debts). 1,953
Available for debt repayments........... 1,027
Monthly UNsecured debt repayments....... 863
Amount left after debt repayments....... 164

Personal Balance Sheet Summary
Total assets (things you own)........... 190,000
Total HP & Secured debt................. -174,000
Total Unsecured debt.................... -35,500
Net Assets.............................. -19,500