I have been in very hard times in my life. Who hasn't these days. But i am here to try and offer a bit of advice.
If you can help it, do not enter ino any debt management agreement. On paper it looks great. Cut your outgoings and try to claw back your life. I tried abacus, but realised soon that it was a bad idea. These companies all have very fine print. If you look at it, as i did too late, you soon find that you never actually get any better off. You pay for a long time, and never actually reduce your debt. You are basically funding them, not yourself. My credit rating is now worse than it ever has been, and i am much less happy now than i was when i had people chasing me for money!!!
If you can you are always safer to deal with the companies you owe money to yourself. At least you know that any money you can afford to pay is going directly towards cancelling your debt, and not lining the pockets of corporate highflyers.
A definite no no.