Hi there Bumble
Generally speaking, if you owe more than £15,000 the first solution to consider is an individual voluntary arrangement (IVA). This solution would allow you to reduce your monthly payments to your unsecured creditors down to perhaps as little as £350 a month depending on ehat you can reasonably afford. The arrangement lasts for 5 years after which time any unpaid debt is written off.
Are you a home owner with equity in your property? If so an IVA will protect your home from creditors trying to issue charging orders against you. However, you may also have to agree to release some equity as part of the IVA agreement if possible.