Hi cr15py
As you have not serviced these credit cards for quite a long period, I suggest you communicate with the Credit Card companies ASAP. You may need to write to them explaining your financial circumstances and offer terms for repayment. This would be termed as an Informal Arrangement. With this option, there is no need to involve the court or an insolvency Practitioner. To make this work, you must have 100% agreement from all your creditors. As you only have 3 creditors, the likelihood of being accepted is more possible. The only main disadvantage of this is that it is not legally binding on the creditors.
As this will be an informal arrangement, there will be no problem regarding the bank account issue.
If you are not happy about doing this, then perhaps you should look at contacting The National Debt Helpline or CCCs for professional advice.
Sue
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