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First thing to consider is whether you end up paying MORE than you would if you let your debt while it was. Adopting them to your mortgage may mean that you are not just extending those debt over a longer period of timeframe, but they will increase: Now that you have added your debt to your mortgages, do you have to repay more?
Debt repayment options: debt-clearing orders
Redemption orders (DROs) are a way of dealing with your liabilities if you have less than 20,000 in arrears, do not have much replacement revenue and do not own your home. Receive an order confirmation from the insolvency administrator, an employee of the insolvency tribunal, but you must file an application through an authorized advisor.
There is a shortlist of organizations that can help you find an authorized credit counselor in the DRO Handbook. Money Advisory Service has information about where to get free credit counseling. Have your credit counselor tell you how and when to make the payment. Sometimes a philanthropic organization can help you with the costs - ask your credit counselor.
In the individual insolvency register, verify when the limitations end. As a rule, the limitations last 12 month. You can be prolonged if reckless or dishonest behavior has created your debts problems. In order to renew it, you will be asked to accept an "obligation to limit the relief of debt". If you disagree, the courts may order a debit relief restriction.
When you get new debts after your DRO is authorized, you could do that: Their DRO is entered in the individual insolvency register - it is deleted 3 month after the DRO expires.
Prioritize your debt. When you find that you are having difficulty to pay your debt every single months, it is a good thing to make a listing of the most important debt items above and then work your way down. That can ensure that the principal debt is repaid every single months. If your money is scarce, you still have to buy the essential.
In order to make your household working hard, try to create a checklist before visiting the market and try to prevent buying impulses.