There are plenty of "services" out there that will do FREE counseling and work with your creditors without taking any fees out of what you put into the plan unlike what murph talks about.
The ones that murph talks about are shysters and they prey on those that are weak in understanding their options. They typically prey on minorities, college kids and seniors.
You have many options, you just need to know what they are.
First and foremost, call your "secured" lenders and find out what they are willing to settle your balances for. Explain your situation in full and don't leave out any details.
When you first get into the negotiation stage of a settlement you are going to be talking to a front line employee. Their role is to help you, however they are only allowed to settle for a certain pre determined percentage based on their employee level. For example a front line employee may be allowed to offer you 10% off, you balk and ask to speak to someone higher, they send it to the next level they may be allowed 15-20%, you balk and ask to speak to someone higher. At this point depending on the companies layer of employees, you will either speak to the third level tier team, a team lead or a supervisor.
A supervisor can take off much more however their boss can take off even more and finally their boss has the ability to waive the entire balance.
Don't be rude, don't down talk, be as sorry and sad sounding as you can without sounding like a liar. It's ok to stretch the truth but not all of it.
Typically after you strike a deal they will send you out a letter with the terms and tell you how long you have to pay the settlement for it to be still enforce.
Find a way to get the money to make the deal and save your credit. It's better to have a settlement on your credit bureau than a repossession, a default or a bankruptcy.
Most debt places won't be able to do too much for you on a car/home because the bank has a lien and can foreclose or repossess and get money back on collateral. Right now repossessed vehicles are selling for much higher on the auction block than years past due to the high demand of used vehicles.
So if you need your vehicle, do all you can to keep it.
With credit cards as you know they are unsecured and you can do the same as above with the creditor. They however can put you on a hardship plan to lower your monthly payments and in most cases put your interest to 0%. This serves two purposes, the money you pay all goes towards your balance. If you have your line still open and available to you, it will be closed and you won't be able to use it again.
If you go with an agency such as CCCS, they get paid, but not out of your payment. What I mean is if you are having $100 go to a credit card, then you get credited with $100 towards your balance from the bank. The bank in turn pays CCCS out of their own funds and you are losing out nothing and they still get funds for doing the work for the creditor. This is vastly different than the scammers that murph was talking about.
Typically a debt settlement company will contact your creditors and try to work out a deal. Once they have a deal in place they tell you what your monthly payment is to them and you keep paying until you build up a large amount of cash. At that point they start calling back your creditors and offering a deal, if the creditor balks they say, ok we have "x" amount of others to call, you likely won't be paid. Then they call the next creditor and keep going until someone takes what they offer. Once they get all the companies to agree to some amount, they keep the rest of the money and tell you that your debts are paid and thank you for doing business with them while all the while you think of them as your savior. Steer clear of these at all costs.
As for bankruptcy it's not as easy as it once was. Due to bankruptcy abuse you have to go through counseling first before it will be considered and most find that bankruptcy isn't the best route.
Not sure of your situation in full as you were very generic, I'd be glad to help steer you in the right direction, just send me a pm.