Debt to Government Rates Agency

Hi everyone.

A few years ago I had a breakdown and as a result buried my head with some bills we had coming into the house. They were just letters so I just tucked them away. Fast forward 4/5 years and I e created a debt of 20k and reality of it is putting huge strain on my marriage.

Realising part of the debt I put some of it onto a 0% credit card, but that period has now ended so my monthly payment isn't making the dint it used to.

I know going forward we'd be ok financially iF it wasn't for this huge burden over us. My wife and I both work full time, I'm self employed. I've spoke to the Rates Agency and they say it has to be paid, even the older bills from 5-6 years ago. I'm really at a loss as to what I can do...any advice ?


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