Help credit cards,loans ets Whay do I do?

I have lost my job,due to lack of work.I was staying current until this misfortune.I had tried a debt company and they were charging ungodly prices to settle my debts(that do exceed over twenty thousand with all the interest)I have checked into filing bankruptcy,but that is so overwhelming.My unemployment will be running out soon and I cannot find a job that will even come close to what I would have to pay on my bills.Any suggestions will surely be appreciated.Thank You