Hi Grant. Have you tried contacting your creditors directly and negotiating a settlement? Debt consolidators and credit counselors can't actually do anything for you that you can't do for yourself right now. (Debt consolidators tend to waste everyone's time and accrue more interest for you without lowering your payments at all.) Cut out the middlemen and try to negotiate for a lower total payment or at least a schedule of smaller monthly payments. You'll have better luck doing this with medical bills and credit card debt. Student loans are going to be a tougher row to hoe.

Mr. Rickibot works in collections, and he always appreciates it when debtors call in with realistic settlement offers that his clients will go for. Offering to settle at 10 cents on the dollar is not realistic, but maybe 75 cents on the dollar is. Your bill payments will still hurt, but they'll hurt less. Be upfront about what you can truly afford, and you'll be more likely to come to an agreement over a reduced amount or a less heinous payment schedule. Ask about claiming hardship status if that applies to your situation. Otherwise, do as Dan Williams suggests and schedule a consult with a bankruptcy attorney. Contrary to popular belief, declaring bankruptcy is not a financial death sentence. It can be a relief just to know what your options are. Good luck, man.