If you are one of those unfortunates who are too far in debt to take these steps themselves
, you may need to apply to a reliable credit counsellor who will help you to consolidate your debt and give you good advice on how to extricate yourself. A reliable counsellor should offer initial assessment free and there shouldn't be any up front costs. Once you are in their hands, you will have a legally binding contract and both parties are protected by law. Bankruptcy will be avoided and your assets cannot be taken from you. If you are in debt over your head and don't know which way to turn, this seems to me to be a really sensible option.