Also, I don't think it's wise to cover debts with more BTC, I beleive the price will go up more in the new year which will leave you in more trouble than your in now, I suggest either trying to secure a BTC loan tied to fiat currency, So you will not pay more than the rate exchanged from day one, Or talk to who you owe asking if they will exchange to cash, Offer a repayment plan.

People will prefer a slow cash income than no repayment atall.

I admire you tackling your problems, Good luck.