If you have borrowed beyond the ability to repay like many hundreds of people in the UK do each year then you need to find a way to overcome those debts. If you fail to do so then you will be taken to court, your credit status will be affected and you could be turned down for credit in the future for a long time to come. Whatever your reasons for getting into debt and whatever debts problem you have there is usually a way for you to overcome your debts and pay them off.

There are a couple of ways that you can write debt off with a plan, one of them is a debt management plan and the other is by taking out an IVA.
If you have mounting debts that are over 15,000 then you could look into taking out an IVA. If your debts do not amount to this but they are over 5,000 then you might want to look into taking out a debt management plan.

Whichever form you choose to take you can get online help. Your debt specialist team would work with you and contact those you owe money to on your behalf. If you stick with the payments you would have paid off your debts