Thanks for your reply Melanie. Although not severe immediately, we have been borrowing to service existing debt, and will soon not be able to do so anymore, so trying to plan ahead. As our income is low it will be very hard to consolidate. We are also spanish residents. We have had our house on the ...

Thanks for your welcomes. And I meant it is a house we own, though we do have a hose too!

I am married and jointly have over 50K of debts in UK. We are self employed with a modest income. We are resident in Spain and own a hose there jointly, with a smallish local mortgage and some local borrowing. A present we are coping with repayments but will hit crunch time soonish. What type of arr...