Hi rupert and welcome to the forum. So sorry to hear about your Mum.
You will beed to rework your income and expenditure account to see what effect this change in your circumstnaces will have. It may be that you will have to ask your IP to seek a variation of term to accomodate reduced payments - in which case another creditors meeting will have to be held for them to consider this. If you are left with little or no disposable income, then you may have to consider bankruptcy proceedings.
Hope all goes well for you - and what you are doing is extremely commendable. There are more important things in life than dealing with debt.
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