They may be willing to work out a modified payment plan. Contact a credit counseling service. These organizations work with you and your creditors to develop debt repayment plans. Such plans require you to deposit money each month with the counseling service. The service then pays your creditors.
Some nonprofit organizations charge little or nothing for their services.
Carefully consider a second mortgage or home equity line of credit. While these loans may allow you to consolidate your debt, they also require your home as collateral. If none of these options is possible, bankruptcy may be the likely alternative. Each must be filed in federal court. Attorney fees are additional and can vary widely.