I read somewhere suggesting getting an home equity loan to help consolidate your loans. This will only work if you have a way of paying for the loan and your close the other lines of credit.
By closing the other lines of credit you will force yourself to live withen those means, and you wont put yourself into a deeper whole. The other factor is being able to pay for loan. That brings up the old adage. Dont relax, but try to find other lines of income. Even if it is just a few hours every week. $50 dollars a week translates into $200 per month. Enough to pay for some bills.
You are just going to have to ask yourself if you can do this. Just be honest with yourself.