If you have the ATC units frequency call them up straight away, if not immediately call up 121.5.
The longer you dither over this the less time will be available to sort out the problem.
ATC and D&D have multiple tricks up their sleeves to help you out.
It may be a simple talk down , ie you may not have a IR rating but you are more than likely able to fly a heading. You may be positioned overhead the airfield or to a position which we know as safe and cloud free for a cloud break, a local aircraft may also be sent to fly alongside you to help you out.
There are so many solutions to this scenario, but you must call up straight away, we are there to help. It is when things go wrong that we earn our pennies.