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Hello, my name is Jim and I am a qualified lawyer happy to help you today.
The only real way to do that is to pay them off or to enter in to a payment arrangement then wait 6 years - after which your credit rating goes back to normal. Or you can move to a different country where you have a fresh credit rating over there. If you default on credit cards and loan payments then marks are left on credit records - they stay that way for 6 years unfortunately. To get rid of those debts efficiently you can pay the loan off with the highest interest rate. Once that is paid off, pay the others off in turn (the highest interest rate first) and in time you should have them sorted.
If you ask http://www.stepchange.org to help and they can also speak to your lenders for you - you could even ask the lenders to freeze the interest or reduce it to make the payments more manageable.
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