Hi joanne
It seems that some form of debt management programme would be appropriate for you - either managed or run by yourself. Work out what your disposable income before debt repayments is likely to be when your salary reduces, and divide this by the amount you owe to give some indication of the length of time you will need to repay your debt over. This of course will not include ongoing interest charges, so the period will be extended in the event that creditors continue to charge interest.
Alternatively, if you have no assets, you may well see bankruptcy proceedings as a better option.
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