I CANNOT AFFORD TO PAY ENOUGH TO MY DEBTS
If you cannot afford to pay anything towards your debt, or enough to repay it within a reasonable period of time, the Debt Arrangement Scheme is unlikely to be suitable.
To apply to the Debt Arrangement Scheme, you must be able to pay something towards your debts; and also be able to repay it within a reasonable period of time, which is generally considered to be within 10 years (although longer can sometimes be possible).
That is not to say there are not other solutions that may be suitable for you, such as:
You should seek free money advice from your local Citizen Advice Bureau or Local Authority Money Advice Service.