If you haven't already had previous advice, it is highly recommended that you answer all of the questions on our Debt Options page which will help you decide which option to follow. You should carefully consider all options before deciding to continue further.
If you have any doubts, you should get full, independent, professional advice.
Explanation (including Advantages and Disadvantages)
Further information and links on how to continue
Form and Guidance
Forums can be useful for asking questions and also seeing that other people are going through the same things as you. You will have to sign up to them to post new messages but can read them without.