Dont panic,the most important debts are mortgage, council tax then income tax,....credit card debts are way down the pecking order
I was told by a friend who works for the Citizens Advice Bureau that they will threaten you with court action if you don`t pay the amount they want...it`s not worth the hassle to them
She said you can offer them as little as �5 a month to repay the debt and they can`t refuse,as long as you are not earning thousands per month etc
They use the `Court Case` scare tactics just to make people pay more money, but if you do make an offer you have to stick to it ,but I don`t think they can force you to pay more
Tell them you are willing to continue paying the same amount, if need be send them an incoming/outgoing expenditure list
But whatever you do, don`t offer them more you can afford each month just to please them...good luck