You should think hard about what to do if you are in serious debt as simply borrowing more may not be the cure, you should seek advice, the main thing is not to hide from or ignore creditors, if you communicate many are willing to help, You should also think hard and take objective advice before entering into any I.V.A (individual voluntary arrangement) as the drawbacks with this route are not always explained and you could have to sell your house/remortgage at the end of the 5 year period and repay what is outstanding and your practitioner may have very high charges so you could still owe almost what you started out owing.