failed buisness or keep paying for the? next 20years. I want to turn my life aeround and feel the house is keeping me poor. i am already on a debt management sheme but feel i just want to be rid and start again

it depends how much equity you have in your house. if its worth a lot more than when you started you'll get cash from it. but if its not enough to cover ALL your debt you'd be silly to sell it. you need to talk to a financial advisor. buying a house is a good investment. getting back on the housing ladder can be difficult.you could always go bankrupt but then you'd have to sell the house. you need proper advice.