How can you hold on if the problem that's striking you is pulling you down?

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This is the very difficult situation to be in. How much encouragement you get, how many things you do in order to forget the things that's bugging you seems no effect? Like my situation right now. Last year, me and my partner was hit by consecutive and unexpected situation that changed our lives. We almost broke up but still we manage to hang on. We able to save son's live as well as given an opportunity to find a job overseas. But the product of it all is a whooping debts (consists of loans and other credits, even the credit cards is overutilized, which is the very sad part) that even in our dreams, we haven't seen it. Our debts almost come up to more than $5000. Now we are trying pay it, but since another tragedy happens we almost lost our all. We've been struggling to reduce it because until now we are zero funds. We are coming up on a solution on how pay them all. We keep ourselves believe that we can do it and God won't taken us for granted but sometimes there'll be no time you can just ignore it. The banks are billed us monthly that we can do nothing but cry. What can we do to make our lives back in order?