What was the reason behind you not paying? Was it affordability and if so, has this changed?
You can try for another one but creditors will want to know the ins and outs of the last one and may not look favourably upon it.
Speak to a couple of companies and see how the land lies.
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