which is the right option?

recently my dad brought a car after taking a loan of 10k. the repayment plan was worked out in the beginning, and we never thought there would be any problem while repaying. but as destiny had it in store for us, my brother had a serious accident in school and dad took a couple of payday loans to cope up with the extra expenses. now all the payments are in due, and me, mom and dad are trying to make ends meet. we have already started getting the reminder phone calls and don't have any idea which way to look. i feel like running away. can anyone please help us get out of this mess? should we go in for consolidation or think of filing for bankruptcy? thanks in advance!