You have to earn enough to pay the kind of taxes

Bear in mind, from what my fella and others say, you have to earn enough to pay the kind of taxes that allow such ‘deductions’. I have heard of debt management companies doing that before. Whatever you do, you can’t just not pay them for several years. The creditors will do a lot of damage without getting paid.

Find a reputable, trustworthy place that pays the bills each month, not banks the money for years on end.