if you look at the thread 'court procedures for debt cases', user 'time' says that it only stands for 12 years.
Without sounding dumb, the only way is to pay up or come to a deal with the creditor.
The deal I am trying with my lot is to pay what I can when I can. No legal ruling in the world will change that.
Simple maths Mr. Bank 10 into 2 does not go.
Don't be shy about reminding the bank of your dire circumstances, not saying it will get you anywhere but at least it's on record you are trying.
You are trying yes?