An IVA (individual voluntary arrangement) can wipe out your debts. Debt management and debt consolidation are other possible solutions. http://www.1stdebtrescue.co.uk/
If you are facing a house or home repossession in the UK, it is never to late to find a solution. With a quick house sale and the sell and rent back option, you can pay off your creditors and stay in your home as a short or long term tenant. http://www.stop-repossession.org
