Open Question: i have three accounts that have been turned into collections what is my options?

Because of personal issues i have gone through i have gotten behind on several unsecured loans with all the late fees adding to over the limit fees my accounts have gotten way out of reach i’ve tried reasoning with the collection agencies on partial payments but to no avail. My loans probably reach no more than 8000 give or take. Does anyone out there got a game plan for me so i can get my life back on track seriously i dont make enough to pay this loan off….what can i do should i file bankruptcy are there any programs out there that will help single parents like me? please help or should i just tell them to stop calling me and do jail time ?