Hi Mark
If you don't want to consider an IVA, or risk losing your house under bankruptcy proceedings, then a Debt Management Programme is probably a sensible option, where you work out how much you can afford to pay on a monthly basis, and offer reduced repayments to your creditors. The creditors will have to agree to accept these payments, however, and you will continue to pay until the debts are repaid in full (including ongoing interest).
I suggest you chat to the Citizen's Advice Bureau who offer a free of charge counselling service, or a debt management company who specialises in such arrangements. Thomas Charles may be able to refer you to one.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk