If you are unable to repay your non-priority debts in a reasonable amount of time, a repayment plan may not be the best option for you.
If this is the case, you should seek specialist advice from a free debt advice agency, such as:
- StepChange Debt Charity
- Citizens Advice
- National Debtline (England, Scotland and Wales)
- Advice NI (Northern Ireland).
All of these debt advice agencies offer telephone advice services and online information.
Citizens Advice also offer face-to-face debt advice.