First of all have you explained your situation to your creditors, the reason I am asking is because they can’t help if they don’t know your situation. What I would recommend is speaking to them and telling them what you can afford to pay back. If you are really struggling and have had no help from your creditors then call DAT and see what their advisors can do for you there, They will be able to recommend a course of action to help get you back in control.