If this is the case, you really need to consider whether it is best to use some form of debt management or insolvency process to wipe the slate clean and to get on with your life.
Easier said done as old prejudices are hard to ignore, but the insolvency rules were radically changed in 2003 to make it easier for good, honest people to dust themselves clean and start again- much more akin to the US system and attitudes on the matter
It is important to get good advice if this is a route you need to consider- a personal referral from someone you know can go a long way to getting the right advice.
For more information, take a look at our website personal-guarantee.co.uk, or give us a call on 0845 055 8457
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