My friend lives in the UK. He is recieving SSP and has over 30,000 of debt. He gets letter calls etc about paying it off, but he can't because he only gets 70 pounds per week to live on. What is the best way to stop this hassle and get a solution that the creditors will accept? Would making reduced payments or getting a IVA cause credit problemS? Whats the best way to fix this, I want to help him, but don't know what to do.