You need to speak to an expert if you are having problems. Either contact one of the experts via the link on the lefthand side of the page or visit www.iva.com for a list of companies and reviews and give one or two a ring for some free advice as to all options open to you.
Follow through Make your dreams come true Don't give up the fight You will be alright 'Cause there's no one like you in the universe
How much debt do you have? Do you have any assets?
Can you post a little bit more information regarding your debts, or contact an expert on here for a chat. The will be able to discuss all your options with you.