Once you have worked out how much you owe to each creditor and how much available income you have, you can negotiate manageable repayments with each creditor. The Advice Centre can help you with finalising your income and expenditure and contacting creditors with offers of repayment. Alternatively, you can get started with the process yourself using one of the online charities helping people do this such as National Debtline or Step Change.
Not all debts are equal. It is important to identify priority and non-priority or secondary debts; this is done on the basis of what is likely to happen if they become overdue.