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I have regularly been making payment to 6 credit card companies and banks for over 8 years since 2004. My original debt was £30k and it is now £20K. I am now 64 and I would like to be debt free when I reach my pension age. Although my debts are no longer registered with the CRAs, I assume I still can't walk away from my debts. Can my creditors still chase me in court and take my house away, which is the only equity I have?