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Going abroad with debts


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Hi

 

I am in uk from last 5 years on work visa. Dring this period i borrow loan from bank and have also balance of some credit cards.

I run my accounts well .never late or miss payment. I can say my credit file is clean but just have some big balances of credit cards and loan. i am paying minimum payments every month. currunetly my total outstanding is arround £20,00

My work visa is expiring in june this year and i would go back to country.

I really wants to clear all my debt before leaving this country but unfortunetly! i am not in position to pay them

My question is

What should i need to do. i am unable to pay this heavy outstanding amount at this time while i have 3 month of visa

Do i need to speak with creditors.?

what happen if i leave uk with out paying this debt. will they come to my home country.

Any advise please

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