Hi nicv and welcome to the forum
You can get all sorts of help with regard to reorganising your finances if you are struggling. Do you feel that you can afford to make any contributions to your creditors on on ongoing basis? If so, the seek advice with regard to a Debt Management Programme or an IVA. If not, then the Bankruptcy Advisory Service do a great job at advising on bankruptcy procedures.
Most professional firms will give you free initial advice, so if it doesn't cost anything shop around.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk