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Assuming you can not refinance the debt, it may be time to look into bankruptcy protection. Filing for bankruptcy would place an automatic stay on any collection activity by the creditor and allow you some breathing room to either restructure or otherwise get out from under the burden of the debt and make a fresh start.
You will need local counsel to guide you through the process. If you need assistance finding local counsel try Martindale Hubble (site rules prohibit us from referring specific attorneys) . Many attorneys themselves use this site to locate attorneys outside their jurisdiction or expertise:
http://www.martindale.com/Find-Lawyers-and-Law-Firms.aspxIt is a huge worldwide database searchable by location and specialty. The attorneys are all peer rated. So, they represent the top of the profession.