11 Debts, all unsecured credit card debt £62k

The debt was sold to them around 2 years ago Thanks

Hello, I'm so worried and slept very little last night DLC bought the debt I had with MBNA, and along with lots of other creditors I have been paying a fixed amount each month and never missed a payment, they called me last night wanting to take my £5.00 a month to 1 percent of the balance which would make a payment of £85, I told them that I have little to money left at the end of the day and am paying off 11 other creditors, they say they will now go and get a charging order and force the sale of my home, at my age I will never get another mortage, I feel sick to my stomach. Any advice would be greatly recieved I have called the old CCCS and they have made an appointment for me to speak to someone in regards to a possible IVA as I have been juggling all this debt for two years and am shatterd by it and the late nights calls.