Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Most companies will not work with you until you have defaulted on the terms of your loan. Once you are late with your credit card payments, you could ask that they reduce their interest rates, with the result being your credit card payments are reduced. You can also speak directly to the mortgage company and car company to discuss any sort of hardship program they may have.
Short of that, you can either go the debt consolidation route, or file bankruptcy. There is really nothing out there that can be done except reduce your monthly payments, if they are not willing to work with you, then you may have to default and go from there.