Bro,
Not going to ask how you chalked up those debts, just want to advise you to start by spending within your means.
Follow this strictly: Income - Savings = Expenditure
Hope this helps. In the meantime, keep your spirits up.
You are apparently dishing advice out to the wrong kind of ppl.
If the person can reach the stage of writ and seizure, it means...
1) the fella has been ignoring 'to pay up notices'.
2) absent and refuses to attend to legal actions taken against him
3) refuses to work out a debt repayment plan
4) And of course by posting here, demonstrate that he is even going to the stage of evading the debts.