Hello OMGitsDMC, 

You ask an interesting question which I am sure will be useful to many of our members who may be in a similar financial situation.

There is a free debt charity service called Step Change. You can find out more about them here. They have a free helpline and you can ring them on 0800 138 1111 so I would suggest you give them a call and explain your situation to them.

You could also get in touch with your Citizen’s Advice Bureau and ask them for advice on this: https://www.citizensadvice.org.uk/

I hope this helps and that some of our members who have dealt with similar debt issues whilst living with cancer will have some additional tips for you.

Best wishes,

Lucie, Cancer Chat Moderator

Hi there, my friend went down the IVA route and they actually take a fee for providing this service to you. You can contact companies direct and arrange payment plans direct with them and also on 0% interest. If you don't own your own property you could go bankrupt. Citizens advice would be able to offer official advice. Good luck