Debt consolidation is about bringing your debts together so you only have to manage them in one place.

Breathing Space, is a government initiative in England and Wales that gives people temporary protection from creditor action.

Yes - In Short, Bailiffs can refuse payment plans, However there are options available to help you.

Bailiffs and mental health” refers to the way debt enforcement can affect someone’s wellbeing. Bailiff visits often increase stress, anxiety, or depression. People with mental health conditions are classed as vulnerable, meaning bailiffs must act with extra care.