Ideally you need the early intervention of a experienced free professional debt counsellor, to discuss your finances and go through your financial situation current and expected with a fine tooth comb. This will serve to identify if there are non-essential savings that could be made in your household budget, or other entitlements that could improve your income that you may have overlooked.

I suggest organisations below will be able to help you balance the books.

http://www.citizensadvice.org.uk/index.htm

http://www.cccs.co.uk/

http://www.nationaldebtline.co.uk/england_wales/