To give yourself a little breathing room, you can self-initiate a bankruptcy filing, preferably a chapter 13. This provides an automatic stay against all legal actions by creditors until a bankruptcy hearing has occurred. I think you then have up to 90 days to come up with a solution, or develop the chapter 13 to fruition. Even if you don't get a suitable filing developed and it gets rejected, you can refile and get another 90 day stay. Twice around the block is all I'd recommend, but you should be able to figure something out with an additional 6 months to work with.

It is a tough pill to swallow, and bankruptcies are not so easy to obtain these days as they were a decade ago. Even though you are broke, you should still seek professional legal advice.