If you can show that it will cause you financial hardship to pay the fees.Or our on certain benefits you might be able to have these fees reduced to £310.00.
Have a look at http://www.insolvency.gov.uk they have info on all of this.
You could wait for the creditors to do it for you but if you are paying anything to them I understand that it is very unlikely they will do this.
(Just what I've been told)
Alot of people are having to save up to declare themselves bankrupt.Ironic isn't it.
Hope this might help.