At the age of 22 a fair few years ago now I was offered a vast amount of credit (32K in total) by many different companies. I know that these debts are mine and tried to deal with them at the time but in all honesty rang up a DCA and she was so rude i told her to swivel and ignored the problem ever since. I have 6 County Court Judgements entered against me but 4 of these are from Severn Trent for relatively small amounts. 1) One is a big one to Barclays bank 12.5 K i've not heard anything from them for years or made a payment to them. Im not sure what to do? I know i need to start chipping away against the debt but if i poke the beast will they try and make me bankrupt? 2) I have recently been approached by Lowell Portfolio regarding 3 debts offering me 75% off of 5k Barclays Loan , 75% off of a Severn Trent bill of £666 which isnt showing on my credit file. I've made a payment for £60 so will only have to pay another 10 weeks for it to be cleared, 25% off a barclays current account of 1208 with an arrangement to pay £40.00 a month off starting next week. The only thing i've had in writing is the offer letters? and they have said verbally they will record it as partially settled any advice? 3) I'm tempted to approach the other companies i owe money to (all of which have sold the debt to debt collection agencies to try and strike up a repayment plan with them? Or would i be better off waiting 6 months when it will be 6 years from the original default. I do want to clear these debts but if i can reduce my cash outlay i'd like to. Thank you Kev