Hi, i been there more than once. ring citizens advice to get appointment with financial adviser at their local office. if you owe less then 20k you could like me do a debt relief order. i filled out online form with adviser. then wait for form to come back and pay £90 at post office. after that its active for only 12 months . so if you win the lottery you’d probaly have to pay it lol. i never had to repay any debt .
over 20k is going bankrupt cost upto about £500 fee but lasts longer i think 5years.
i was so stressed until i spoke with the adviser. make the appointment and take all the debt details like what company , account numbers, phone numbers, and outstanding balances aswell as your incomings and outgoings. i was shocked i never had to repay the debt and advise you to try citizens advice first. a debt mangement company is unlikely to tell you about writting off the debt.
hope it helps good luck
