If you are in debt and live in the Uk there are any things you can do. You can refinance a loan, get into a debt administration plan or Iva, or go bankrupt. There are also options out there for self help which might be sufficient if your Uk debts are not too high.
Debt administration Plans
Free Debt Help
Debt administration plans are standard for habitancy with Uk debts of £5,000 to £15,000. With debt administration your debt will be consolidated into one monthly payment you can afford. The money will then be distributed in the middle of your creditors. If possible, interest and charges will be frosty so that you can pay off your Uk debts faster.