Now you've posted that, then to answer your original question there are serious repercussions for you if you stop paying off your other debt.
Your are very close to having equity in your house, another couple of years and you will, therefore if you default on your debt those companies may decide to pursue with a judgement mortgage on your home. You seem to be on social welfare, so for them seeking an instalment order would be pointless.
Would you mind filling out the money makeover thread, you really must post all details, repayment amounts, interest rates etc.
I think your best bet is to talk to Mabs, they will then talk to all your creditors, they can it seems do a budget for you, get your creditors to stop charging interest and come to an amount that it is possible to pay. Maybe you can not pay, certainly a widow with 3 kids - well I don't see how you can pay. Then hopefully you'll come under the new insolvency regime, though I'm not at all happy that the banks/credit instituitons won't be very clever and get in their judgement mortgages now. In your particular circumstances I personally would find that disgusting behaviour. But credit institutions have an obligation to collect, and they certainly have no feeling.
Yes and urgent appointment with Mabs, you have to tackle this now before the 22K spirals out of control.