Instead of paying off and dealing with your creditors yourself, you may choose to engage a Debt management Company (DMC) on your behalf. They will arrange a debt management plan for you, contact your creditors and arrange for you to pay them back on a monthly basis.
You should contact the free debt advice organisations regarding this in the first instance (CCCS, National Debtline, Citizens Advice Bureau). There are many debt management companies who offer a similar service but they would normally charge a fee, meaning your debts will take longer to be repaid.
The information provided in the Customer Advice section of our website is intended for general information purposes only. The information provided applies to England & Wales only, and is not a full statement of the law.