need options

I somehow have managed to get into way too much debt. I have two payday loan checks, four short term loans, and one title loan. I cannot keep my normal bills caught up and pay all these payments every month. My car payment, electric, phone, cable, and rent are all behind because of them.I try to work overtime but I can't alway get approval to do so at work. I recently tried to get a loan from an internet debt consolidation company but they just wanted bigger and bigger down payments. Now I have to wait 30 days for my initial down payment to be refunded. I need help desperately. I don't want to lose anything or get evicted. I have children that need new clothes and won't stop growing. Any advise? Are there any good debt consolidation companies around? I already tried the bank.