Consolidate advise

I've worked up $55,000 in unsecured debt and now missing payments and all those troubles. An ideal situation would be for me to borrow 55 @ 10% for 10 years. Unfortunately I have no home for equity.

So I was wondering if anyone knows of any government/bank/union loans or programs that could work on the 55-10-10 terms?

I know probably a long shot, but I'm just researching options before I'm forced into bankruptcy.