so back in 2005 my wife became ill and had to stop work for a while and we entered a debt management plan, we still owe about £20 000 mostly credit cards but also studio cards etc
over the years we have moved a few times but carried on paying payplan, the last few years we avoided our annual review but carried on paying.
we have been at our present address for over 2 years with no contact from our creditors for years. payplan have emailed a couple of times say some of our creditors want our address but we havnt replied
our credit reports are clear with scores of 536 with clearscore and 633 with noddle so we have good credit
my question is what would happen if we just stopped paying, how long before we get found