If you could give us a brief picture we might be able to give a more useful reply.
We would need to know things like:
[list=]What are assets do you own and how much are they worth?
What are you debts?
What is your surplus monthly income (ignoring payments to creditors)
What do you do for a living?[/list]
Here are a few videos which may give you some starting points to consider:
Personal Insolvency Options:
What is an IVA:
There are more videos on my You Tube page giving more detail.
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