If you are having difficulties paying your bills then contact your bank to see if it might be possible to work something out.
Based on your budget, work out a reasonable offer to each creditor. Don't worry if the offer seems small – it's better to offer a regular amount you can realistically afford rather than to make a larger offer that you won't be able to keep paying.
Never ignore letters from your creditors
Open them and respond, even if this is to explain why you cannot afford repayments – ignoring letters won't make the problem go away. Don't give up trying to agree an offer even if your creditors are difficult.
Deal with priority debts first
These include your living costs: your rent, council tax and gas and electricity. The consequences of not paying these could be serious.
Then try to renegotiate your non-priority debts
These are debts with lower enforcement actions - store cards, unsecured bank loans, credit cards. Not paying them could result in County Court judgements.