Cash Flow Creation

I will try to make this short, it is complicated. We own 2 commerical buildings, and our home. We have been trying to pay down credit cards for 4 years now with Consumer Credit Counselors. Well economy is terrible, lost my job, and have taken a huge pay cut at my new one. We just quit paying on 3 of our 6 cards, so our credit will be bad. We have never missed a mortgage payment of any kind ever. Our adjustable rate home equity just doubled in monthly payment, and we can only see doom. We have a lot of equity in our commercial buildings with an SBA loan, but would not like to touch that now, (with our credit we probably couldn’t). We are going under, and will not declare bankruptcy for many reasons, just can’t. How can we get our cash flow better with bad credit? Can we talk anyone into combining our two mortgages? (our first is fixed with a great rate). We need help fast! What can we do?, more