I have a bunch of debt and dont know what to do can you help me?

I currently owe about $12,000 in credit cards and loans. I also have a car that i owe $15,000 on and my job is commission based and i am not making as much money as i used to. My parents are co-signers on three of my debts and i dont want to hurt their credit with a consolidation company or a settlement or a bankruptcy. and i cant put those debts into my name because my credit is only like 600. Does anyone know of anything that may help me out?