Why would you have to get rid of your debit card? I've looked at the site and it doesn't say anything about that. It's not credit, so you should be able to keep it imo. If you have credit cards otoh then you prob would have to get rid of them.
Feel like such a prat for getting in this mess in the first place. Wouldn't mind if it was cos i went out partying all ther time and brought things we didn't need, but we don't, it's just a case of our outgoings going up and our incomings staying the same.
Don't be scared of going to the CAB. They deal with this sort of thing every day and they are very good at it. They will have your best interests at heart and will do what is best for you. Nothing that you say will shock or surprise them, they have heared it all before.
Please make an appointment, the sooner you do it the better.