[user104658]

I think I mentioned this in another thread but I'll add here too as I think it's important to know: setting up with a service like StepChange while a vital service to exist, and VERY much preferable to bankruptcy, will still absolutely tank your credit rating for 6 years (realistically 7 - a year to rebuild once it all drops off the report).

If struggling to pay the essential bills or put food on the table of course it might be the right action, but it shouldn't be seen as an "easy way out" of debt. Tanking your credit score has all sorts of implications.