Help Resolve Credit Card & Loan Dues

Hello, I had credit cards and a bank loan when I started working, everything was going fine, I was making payments on time but then due to some issues I lost my job and to pay the installments I started transferring funds from one card to another and eventually couldn't pay the amount because I had no job. I could hardly manage to pay just the interest when I had arrangement of funds but dues had reached that level where no matter what, I needed to pay the amount so that collection agents don't visit my home and call me because there was so much torcher I and my family had gone through. I could hardly get the settlement done for 1 of the cards but still have 3 cards and 1 loan to pay off. I am not in a position to pay off entire amount because I have already paid a lot and can't arrange another whole amounts. How can I get all of those amounts settled and pay them monthly. Need help Thanks