Hi,
I believe that as long as it is not more than three years since you left,that you can apply for an IVA. If it is more than that, I'm really not sure.
Hopefully one of the professionals will be on to assist with this.
If you are within the three years, I would get something sorted as soon as possible. Visit
www.iva.com for a list of companies and reviews. Contact one or two and you will receive free and impartial advice as to all the options open to you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk