The two important things you have (assuming you are not concerned about your credit record) are your loan and your credit card. IMO, they are the ones most likely to land you in court.
When you say you owe NTL for disconnect, I presume that is as a result of not being able to pay the internet bill? So you are now disconnected and behind on your payments? To be honest, I would play hardball with them. Tell them you are in difficulty, offer them €20 euro a month, but that you can't pay the disconnect charge because you can't. Do this in writing. Keep sending letters upping your offer, dispute the reasonablyness of the disconnect charge. Ask them is that the economic cost to them (it is illegal for them to charge more than the economic cost, AFAIK).
For the dentist, I would also arrange a repayment scheme and as chlipps suggests, check out what you can get in refund.
But the two you need to attack are the loan and the credit card, in particular the credit card (because the interest rate is so high, you are paying money in interest without reducing your outstanding debt). In any case, phone up and write to the credit card company to say that you are in financial difficulties as a result of the change in the economy and the increases in tax rates and that you are looking for an interest pause while you pay down the principal).
Talk to the bank and see if they will give you an interest free overdraft for a period or at least reduced interest. You are likely paying top-notch rates on this too. Again, do it in writing.
The key thing with all the debts is to show willing to pay something of the debt and show that despite the onerous terms of your creditors, you have done your best. You must keep all correspondence, you must respond to everything, and you must contact MABS.
The very best of luck.