Not to sound rude or nothing but how much debt are we talking as past experiences I have debt with certain companies and have missed a few payments which has meant I haven’t paid anything for a few months and up to now I have no issues with debt collectors, how long have you been missing payments just curiousity? If that is too personal then apologies just curious from past experiences of my own?
Total debts around 10k most of which I’ve got payment plans in place but it was an outstanding council tax from 2015 for 1.7k which is with debt collector’s. I imagine they’ve been sending letters to a previous address for years which is why it’s escalated into this