£3,000 of debt is not sufficient to propose an IVA with, and probably the best option for you is to write to all of your creditors offering token payments until you return to work. The CAB give good free advice to people with low debts and low incomes, so it might be worth visitng your local office for a chat with a debt advisor.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
