Avoid online debt management companies that promise you everything but may get you into even greater debt. If you are in serious debt and considering either bankruptcy or some form of debt management or voluntary arrangement the best place to start is the UK government website below. The people who legally deal with such issues are known as insolvency practitioners. They will advise you for free. Do not part with any money up front as debt management companies are paid out of your repayment plan, if it is successful.