Debt management plan, Im going to sign for that today, Your credit rating will be a little bit marked by going on to it, as it takes time for the company to set them up especially with awkward banks. Any defaults are or missed payments are held on file for 6 years, and by then the CREDIT CRUNCH will have met the half way point, I expect that to last until 2018. Unless a miracle happens. In the meanwhile get your self a name change wait 6 years and after that time limit you don't have to declare if you've been known by any other name. Sorted.