You need to speak to an Insolvency Practioner. Visit www.iva.com for a list of companies and reviews. The advice is free and impartial.
If you are suitable for an IVA they can take out an Interim Order to stop the court action whilst the IVA is sorted.
What other debts do you have?
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