Been there, had that...although the debts were mine after a business collapsed in the recession of the early 90's (ironically Nat West foreclosed on a business loan even though Access, their credit card company, owed us twice as much for services that we had provided, but just weren't paying their bills in time

)
We had nasty letters from bailiffs as well. One had a hand written bit of scrawl added to the printed form letter that said "pay up or die", when I challenged them face-to-face they swore it said "payment now due" and that I just couldn't read their handwriting.
Anyhow, been to hell and back with bailiffs, and the people that were the most help were the good old Citizens Advice Bureau. They have trained debt councillors who know the in's and out's of debt back to front. They know the law and your rights and pretty much one visit to them got the bailiffs off our back for good. They might seem like crusty old do-gooders but they ain't half effective.