TGB
Talk to the CCCS (Consumer Credit Counselling Service) - they'll give you advice on how to draw up a financial statement which you can send to your creditors with offers of payment that you can afford.

I've been making token payments every month, and once the agreement was made they stopped hassling me. I think long term I'm going to have to take the bankrupcy route, but in the short term this arrangement has prevented me from going under (financially and emotionally!)

EDIT: OITP beat me to it!
( warmfuzzies Isn't here, Tue 30 Sep 2008, 13:24, Reply)