If you are looking at a debt solution, a company will sort that for you. Give one or two companies a call.
You can also open an account with Clearscore which is free and will give you figures on there.
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.
The credit reference agencies will only alert you to those creditors who report the debt to them. So you will also need to go back through old bank accounts and statements you are being sent.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/