"Give" all your valuables to family and friends for safe keeping until you come to an arrangement that way they will have nothing to take if they get nasty.I'm pretty sure they can only take non essential stuff paintings,cars,hi-fi etc they can't take washing machines,fridges,cookers and beds etc I've even heard of someone getting to keep a tv because it was regarded as an essential item.Citizens advice is definitely an essential port of call in your situation they can inform you of your rights and suggest solutions to these kinds of problems.Generally if you give the strong impression that you are willing to pay what you can afford the authorities who arbitrate in these matters will tend to look more favourably on your situation than on the creditors.