debt whilst renting

mdc123

I have a huge amount of debt, and currently are renting.
I am in an agreed plan with 4 of my CC co's but I am really struggling to make payments on them.
The agreements did not involve a SOA, the cc just gave me a reduced amount to pay for 6 mths to try to get back under my credit limit.

Now I'm going to have to go on a DMP or at worst, BR, cause I just cant make the payments

Question is this...

When I have to do a SOA, how do I do it? do I include my wifes income etc? (she has only a small debt but can manage her own)
If I dont include her, do I split Rent, Bills etc 50:50?
All my debts are in my sole name

And I suppose more importantly, If I am advised to go BR, will this affect my wife? if so how?

Thanks

chanz4

50% of everything you would put down, in regards to effecting your wife only if you have things like joint accounts or utilitys in both names