If you are a non-British national, trying to ascertain your rights in the United Kingdom can be a difficult process, perhaps more so than if you are a British national. In addition, your immigration status will also affect the support that you may receive from the Welfare State. For example, non-payment of an unforeseen medical bill may have negative consequences for decisions relating to applications for British Citizenship.
He had a Debt Management Plan in place with a commercial Debt Management company that charged for such a service. However, the company went into liquidation. He was very conscious that any legal proceedings against him by any of his creditors might cause problems with obtaining British citizenship. He thus wanted to carry on with the Debt Management Plan. After he sought advice from me, he set up a payment plan via Pay Plan, a free advice service, whereby he pays a reduced rate towards his arrears.