If you have overwhelming debt that you simply can't pay, there are a number of options available to you.
Isn't that what you've been trying to do all this time? Short of winning the lottery, that probably isn't going to happen. Even if you find someone to lend you the money to pay the debts, you're going to have to pay that back. Isn't that like robbing Peter to pay Paul?
Paying what you can when you can. And if you're behind on payments, the creditors will be coming after you and they are ruthless and relentless. They'll call you, write you threatening letters, harass you, eventually sue you and come after your wages and property. A real nightmare...
Bankruptcy was designed to afford relief to those with no other viable options. Bankruptcy provides you legal protection from all your creditors, and will immediately stop all collection efforts. No more nasty phone calls. Now you can finally get a good night's rest so you can reorder your life with a fresh start.
You may have other options available to you under state or fedral law. Call with questions