Close attention need to be paid first while trying out what errors of judgment in financial matters you are making currently making that is causing this burden to be unrelenting. And then you have to ask some hard question to yourself like, whether our spending is done wisely, spending priorities are right, whether we are working hard enough not to let more debts collection, etc. Until and unless you ask these questions and clear these issues then there will be no corrective measures can be done.
Debt Consolidation is one way to address this problem, but one must make sure that one approaches only a legitimate company for such a thing. We must make certain by asking all the right questions and ensure that this is the most appropriate solution for the current crisis and then go ahead with it.
There are lots of websites that are available on the internet such that you can search to overcome this kind of problem. Otherwise you may solve this problem by yourself by taking the right decisions. And before this problem arise to you and make the situation to go out of your hand, you can go head by doing something by being proactive.