what would you do if you had so much debt and that your income was not enough to repay your debt installment?
how will you deal with it?
how to solve it?
Accept the fact the you are getting BROKE and be honest to those companies that you can't afford to settle them all at once, make promissory note and arrangements. they have the right to know your status so that they will not sue you. if they see how honest and genuine you are and trust that you will run from your responsibilities they will understand.