Everyone has different circumstances and one size does not fit all - certainly in a debt situation.
Take time now to investigate and it will help in the long run.
I used to rob peter to pay paul and you can only do it for so long ... take some advice from experts and I am sure they will identify a solution for you.
A DRO or BKY might be better, depending on your circumstances.
As a starting guide you might want to have a look at this:
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