Have a look at this first and then call up Caritas:
@ray98 - thanks for the Chin Family link. Had forgotten about that resource.
OP - YTT is a well known solicitor, but before you send money with them, consult with the Caritas and Tung Wah groups who are non-profit. YTT will not give you any dodgy advice, but it is best you start with a non-profit and get some unbiased optons.
after everything is done.
now I know I didn't have to pay to YTT for debt problem.
Just contact creditor directly.