Debt consolidation can be done in a variety of ways to make things easier for you, however, you should be aware that not every type of debt is the same, and some may not be eligible to be consolidated along with others in certain schemes.
It’s important to consider which option would suit you and your personal situation before making any decisions. Below are some of the main solutions which allow a form of debt consolidation:

IVA – This allows you to enter certain debts into an agreement, where you make one monthly payment which goes towards them all and the rest is written off.

Bankruptcy – If you have little to no ability to pay off your debts, you can apply for Bankruptcy and these can be written off after one year. Your assets may be sold to contribute towards repayments to your creditors.

Debt Relief Order – Here, you can freeze your debts for a year and have eligible debts written off after this time.

Debt Management Plan – You can combine eligible debts into one monthly payment handled by a 3rd Party Company. Your one payment contributes towards your debts, as well as the fees of the company handling it.