We are now almost 2 years into being a single income and in that time we went from having around $60k in personal debt to $20k (not including the mortgage) and we did this by talking to ALL our creditors at the time, freezing the interest, making lump sum payments to pay off the entire balance at a reduced cost (so if a debt was $5k we'd offer $3.5k and they'd be happy with that as final payment).
I know this is over a month old now, but I'm hoping Mummato2 is subscribed.

I'm just wondering (if you don't mind sharing) what kind of debtors you had, that let you negotiate the final sum?

My personal loan is with a bank, and I can't imagine banks would accept a lesser amount??

Thanks for all of your other advice, some of it was invaluable and I've written things down!