administration orders
  individual voluntary
arrangements
  bankruptcy
  house
  car
  furniture
  job
  income/expenditure
  protective steps
  alternative approach
  negotiation by
professionals
  tv advertisers
  citizens advice
bureau
       

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What alternatives are there that would suit my circumstances?

If you owe very little you should read up on Administration Orders

If you owe material amounts you should take specific advice from an Insolvency Practitioner.

Before doing that, however, you should read up on :-