Mate, I'm in the same boat and I sold my rs2000 mk6, mint, low mileage, great alarm and worth about £6k. I sold it and cried. But I managed to pay off some dept.
I bought a mk5 rs2k with high miles and rough body work but it was cheap.
If your serious about getting rid of the debt and don't mind talking about how much you owe to me. I can help you set up a prorater aggrement based on your expendable income.
It works on the total debt turned into 100% and working out the percentage of debt that you owe to each creditor.
IVA work's on over 15K of debt
carl