how to reduce my monthly debt payments?

Welcome to the Community :D I am not sure exactly what you are asking for help with, but this site offers free credit counseling when you sing up. They will discuss options you may have such as consolidations, where all your unsecured debt becomes one monthly payment, with lower interest. The only way for me to lower my debt payments each month was, to get some of them paid off, to free up some money. If you have alot of credit card debt, pay day loans, etc., consolidation may be right for you. We are here to help support and guide you in the process of becoming debt free. We welcome questions, and look forward to your postings!..KAren

Are you having problems with the mortgage payments? You may call the lenders and explain your situation. I hope they will give you some time in making the payments and set up a suitable plan for you.