Personally, I wouldn't want to be in debt. Well, of course we all don't want to be in debt, but to incur such a large amount of debt spells disaster for me. That's why I always take steps before I reach my "critical amount". Usually before that, I try to get debt help. Not from any internet organization, though, but from my brother. Nope, he doesn't lend me money, but he gives me advices regarding my payments; he is a certified accountant, so he knows what he is talking about.
But for those who doesn't have a brother who's a certified accountant, or have no idea where to go to for debt advices and help, you should check out Debt Advice Trust. They are a not for profit organization; and they are there to give expert and impartial advices regarding your debt situation, and help you get out of it.
They are there to give you solutions, from IVA (Individual Voluntary Arrangements), bankruptcy, to management plans and more. The advice will of course depend on the situation you are in, and once you've reached a decision, they will recommend a reputable and trustworthy provider which they have on their approved panel.
Now you don't have feel like it's the end of the world for you! There are always solutions, and whether we accept them or not, it is always our decision. If you decide to be helped, you will receive help!