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IVA Debt Help
An IVA (Individual Voluntary Arrangement) allows you to write off up to half your debts straight away and pay the rest off at a fixed monthly rate over 5 years.
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http://www.toomuchdebt.co.uk/iva.html

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Chapter 7 Bankruptcy
Chapter 7 is one of the most common types of Bankruptcy since it represents the individual consumer. It allows the individual to discharge debts that cause an excess burden. Assets are minimized to cash value allowing the debtor to pay off his debts.
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http://www.legalhelpers.com