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question about bankruptcy

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hi everyone 
just a couple of questions regarding bankruptcy, i have seen a couple of debit advisors in my local area [fully regulated] 
after writing to all the people i owe money my options are rather limited [had D.P.R few years ago] cant have another not been long enough [discharged], only thing I have been told is apart bankruptcy, is to contact creditors and either make arrangement's to pay .
however only other thing is i become pension age December 22 /24 and have been told what ever is owing cant be pursued once you hit that age ? is that correct?
thanks

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