An IVA.
Your debts are frozen, no more interest is added. Bearing in mind a credit card with a 3k debt will take about 40 years to clear when you are only paying the minimum monthly amount!!
As long as you can afford to pay a minimum of £250 a month back to your creditors over 5 years [3 in Scotland] the remaining balance will be cleared. The monthly amount you pay back over this time will change depending on your disposable income. If you speak to a company offering IVA services they will [add their charges to the debt but you are no worse off] tell you what the maximum amounts are you can claim for each allowable living expense. Your 3 largest creditors have to agree to the IVA, the rest have no choice. The monthly repayment amount will increase as your pay does and your IVA manager will review it yearly. Proof of income does not need to involve the employer as your P45/P60 is good enough. The amount you agree to pay back can not be reduced. If you fail to make payments you will be declared bankcrupt.
Use a well known IVA management firm [!!] as your debts are still yours and I've seen news about some IVA firms not actually paying creditors the money clients have paid them.
You keep everything you own such as cars, house and as the owner of a business - your business.
Another Option
If you are just about covering your debts each month it might be an idea to ask all your creditors to agree a smaller monthly repayment with you. When dealing with credit card companies, they have to [as far as I have been told] agree to freeze the interest when you request they do so, then haggle the monthly repayment amount. This is the best option for your creditors as they are far likely to get all their money back. If you then find you can't pay them the agreed amounts then move to an IVA.
The tinternet and CAB have plenty more information.
Hope that is in some way informative.