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almost half my debt is to the bank and i dont think they would agree to a reduced payment, also my car is on finance will it be taken away?

Hi jo6 and welcome to the forum. If you could list the amount of debts you owe and who too it would help an expert advise you further. Do include details of your car finance.
There are several ways to tackle debt problems, so if you can provide a bit more info then someone might be able to suggest a solution.

Hi jo6 and welcome to the forum

To be able to answer your query, as one of the forum experts, I need you to provide more information as follows:-

1 How much do you owe in total and to which creditors?
2 Do you own a property - and if so is there any equity?
3 What disposable income do you have before taking account of debt repayments?
4 Is your car subject to a hire-purchase agreement?

Hopefully if you can get back to us, one of the experts can help.

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