Debt help with no answers

My husband and I have approx $40,000 of debt from Credit Cards, Medical Expenses, a student loan (already in deferment), and suppliers we personally garunteed for our failed business. We have already had a bankruptcy and have not been able to pay on this debt for approx 6mo. We finacially are in a position to start paying the debt off but the minimums are several hundered dollars higher than we can afford. In the meantime several of the creditors are still charging finace/over the limit/and late fees. What money I do have to pay each month wouldn't even come close to covering these. Because of our credit score we can not refinace for a rate lower than 12% and no one will provide us a personal or HELOC because of the previous bankruptcy. Credit counceling angency's won't touch most of the large debt since it was obtained through the business even though were are personally responsible for it. Where can I go and what can I do. I want to do the right thing but none of the debtors are willing to work with us in a way that we can handle....