This is a tough situation. You could try to negotiate a small minimum payment, but of course that means that the interest on the sum you owe piles up more and more. BUt this is the way to go if you can anticipate that you situation will change for the better.
If not, there usually is only bankruptcy. But since that has a major impact on your future financial standing it needs to be carefully contemplated. It also might not discharge all kinds of debts. So you would need careful consultation.
In bigger cities there are non-profit organizations offering credit counseling .You should try to get one. Beware of obscure places who want to charge you for that, though. Try official places like city or county or reputable organizations like churches first.
