Can we sort the debts out

We talked to payplan and they are setting something up for us. I don't know if the creditors will accept this but we can but hope. I wonder if we can sell the house and keep some of the equity or if we have to give it all to the creditors. I know the debt has to be paid but after paying so much to the house I would like something back. Maybe we should just sell up and do a runner. I know thats not sensible but my brain is so fuddled with allof this debt I can't think straight. Hopefully this payplan thing will at least stop the phone calls and threatning letters for a while. It should be up and running soon so I will keep you informed.