| As far as the credit cards go, have you bluntly asked them "what can we settle for". Not sure if it works the same but I owed 4 k in medical debt, told them I had no intention on paying unless they settled for 2k mailed the next day...it worked.
The SBA and student loan are a different ball of wax, and with 20k in CC debt I'm sure they can working something out. Granted you'll need to entice them with some big numbers and will have to pay them fast to get them to budge which, judging by the situation might be hard at this time.
For right now brother, you have to ride out this storm, try to stay as current as possible and when the economy does turn around, which it will, maybe consider selling your house if there's still enough equity knock out a big portion of this debt and have enough left over for a down payment on new, more affordable pad.
I don't know your monthly numbers in/out to see where you could trim some fat and allocate towards different debt. Also, how bad is bad with the credit rating? if you don't mind me asking | 