best solution for my debt?

Hi everyone.

I am in a large amount of debt (28 thousand pounds unsecured.

My problem is that I run a car sales with my brother nand half the stock is mine (about 30 thousand pounds worth half of which is mine).

What can I do?

I cant get a loan to consolidate as No one will lend me anymore money.

I have looked into debt management plans but worry that as my business account is with the same bank as a large amount of debt is with they may take any money in that business account (the business account is in both mine and my business partners name so i dont know if they could do this?). It is not possible to change banks at the moment as We have too many regular payments etc on the account and accounts with companies etc. Am i in too much debt to consider debt management?

With an IVA I would assume that creditors would force bankruptcy as I have 15000 pounds assets which they would want to take? Does anyone know if I could offer to pay the equivelant value of the cars over 5 years and write off the rest of my debt?

And finally bankruptcy. A process I really want to avoid if possible as It would destroy our business which is actually doing quite well.

If anyone has any advice I would be very grateful?

Thanks in advance.