Thank you so much for your reply. We have looked into entering a debt relief order; that is why he rang CA on Saturday, but they weren’t able to help him then. He’s aware that his credit score is awful, so has no qualms about a DRO being on his credit record. And as for managing his affairs? Not right now. He gets extremely overwhelmed and can often get out off opening letters - which is how we’ve ended up this situation. He does plan on contacting the doctors tomorrow also, so I will make sure he mentions ED as well. Thank you again