If you have any disposable income after your bills and necessary expenditures, find out whether the minimum amount you can afford is a sum that can be agreed upon with the company you owe.
If an agreement can’t be reached, assess your options to see if your debt can be moved to a lower interest loan that would be manageable with the monthly repayments within your budget. Some balance transfer credit cards might also be an option.
Seek third party advice such as debt charities if you don’t feel like the first two options are available to you. You may be able to come to an agreement based on your personal circumstance.
The last resort would be to become insolvent or file for bankruptcy to get your payments written off. If you do find yourself in this situation, it is still better to be proactive and take control of the situation in this way than to let the catalogue company file for a CCJ.