US move to escape 負債s?

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I am a US 国民 working in the UK on a 5 year ビザ. I have unfortunately 蓄積するd about £11,000 in 負債 from credit cards. I am returning to the US 永久的に 予定 to an 予期しない family illness and will likely have extreme difficulty 返すing this 負債 as I will not have a 職業 straight away and the d ollar is 極端に weak at the moment. その上に I already 借りがある £60K in student 貸付金s from University. What are my 選択s? As a 非，不，無-居住（者） would I be 適格の for IVA or 破産? BFJ, Exeter

発展させる 財政上の Planning's Jason Witcombe says: 'My suggestion would be that you speak to your credit card companies and explain your 状況／情勢 as they may be able to help you with a 解答.

'Student 貸付金s tend to be very generous both ーに関して／ーの点でs of 利益／興味 率s and 返済 柔軟性. Check to see if you can 延期する その上の 返済s until you are 収入 over a 確かな level and this could be a 重要な 負わせる off your mind. I 示唆する you speak to the 国民s Advice Bureau regarding the IVA and 破産 状況／情勢.'

Paul White, Belgravia 保険 顧問s, says: 'The Credit Card Companies may listen sympathetically to your return to the USA on compassionate grounds. Ask to 減ずる the 利益／興味 on your cards to the 最小限 for the length of time that you are 失業した.

'Your Credit Status would definitely be 影響する／感情d if you were to 簡単に go and there would be no 保証（人） that the Credit Companies would not 'sell' your 負債 at a 割引 for someone else to collect it from you. While unwaged, you do not have to 返す any Student 貸付金s.

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