There are companies such as FCL Debt Clinic (www.debtclinic.co.uk) who offer free financial assessment
and advice. FCL can also refer clients to a Debt Management Company
who charge no fees and can help negotiate affordable monthly
repayments on their clients behalf by setting up repayment plans
with their creditors. Anyone with a UK bank account or the use of
one for transferring money, with UK debts, can be helped. This way,
the ever-present worry of whether a debt is still around is no
longer there to haunt you.