Re-mortgage
Continued house price inflation has given many people much greater equity in their home. If you have sufficient equity in your own property, a re-mortgage can sometimes provide enough funds to pay off your debts.
There may be complications. In particular, your weakened credit status could mean that you cannot borrow from a prime lender. That makes interest rates far higher and can mean the option is not realistic.
Tenon debt solutions may be able to help you establish a tailored TD that releases enough equity from your home to make a one-off payment to your creditors, settling your debts once and for all.