How much are your debts, do you own your own house or have any assets that might be at risk if you went bankrupt?
There are a number of solutions open to you but you do need to speak to an expert, either one that posts on here or visit www.iva.com for a list of companies and reviews and give one or two a ring for some free advice.
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