Creditors will often agree to you lowering your monthly payments if they can see you’re paying as much as you can afford to pay. This might be through an ongoing agreement, such as a debt management plan.
Also, many creditors will agree to give you breathing space with a payment holiday while you sort out your finances. This is a temporary arrangement where they may freeze interest and charges for a short time - but you should check if they're able to do that.
It’s also possible to negotiate settlements with your creditors, including partial settlements. Creditors may agree to accepting a percentage of what’s owed if they consider it unlikely that you’ll be able to repay the full amount you owe them.