… circumstances have changed to the point where you can no longer see yourself repaying the debt within a reasonable period of time, you may need to consider another debt solution, such as an IVA ( Individual Voluntary Arrangement ). …

More here: Debt management: what happens if I miss a payment?

However, if your debts have grown so much that you can never see yourself repaying them in full, you may want to consider another debt solution, such as an IVA ( Individual Voluntary Arrangement ), which could help you to avoid bankruptcy …
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