25k in debt haven't been paying credit cards in 8 months

I am 25k in credit card debt. I have four different credit cards and had to stop paying them last summer due to the fact no one was budging on helping me out (except for one) with a new payment plan. I am living paycheck to paycheck as it is right now and have no idea how I am going to stop this cycle.

I have debt collectors calling me and today someone called, said she is a debt collector but was calling from a law office. I can't have them garnish my wages or I won't have anything to live on. I don't know what my options would be and I would really like to stay out of bankruptcy if I could.

I do not have anything to liquify really. I have my car which I am still making my payments for on time, but that is it. I don't own a house or anything worth a lot of money. Plus, I couldn't even afford a bankruptcy lawyer anyway.

This is causing me many sleepless nights and anxiety attacks. I still need to be able to support myself and two kids and am running out of options...

Suggestions?