Mate sort out your debts NOW!!! I was in your amount of debt few years ago, since then it's doubled to £32,000 & I've now got to the point I can't cope. Also I've just turned 30, just got married, not a very clever situation to be in when my life is going so well.
I went & got advice from the CAB & they said I have 1 of 3 choices.
1: Do nothing, struggle for a few more months then start getting the letters then the bailiffs.
2: Work out incomings outgoings, see what's left, then go through the motions of paying back % each month that you can afford & the debt people agree on. But this can take many years.
3: Go bankrupt. After 1 year all debt is wiped & your clear, will be on points record for about 6 years.
Afraid for me number 3 is my better option, happening in 3 weeks
I don't own a home, my only expensive asset is my supra. But I hope to sell that this week for a cheaper motor (as still need car for work) the money left over I'll offer as asset.
It's horrible thing debt, but you have to face up to it that if you get that much in shit you have to grow up & face the consequences. Don't leave it to late. Sort it.
Do wish you luck, but do work out your finances properly & decide if you really can afford to run a supra on current wages?
Also try not to keep re-negotiating loans, as over time it can get worse, that's what got me in this mess. (long story)
Again, good luck let's hope like me ya learn