<human>: This isn't something we would normally consider, but tough times just got a whole lot tougher for our family and we're turning to you, reddit, for advice.

The story goes: I'm 37 weeks pregnant.  A month ago I got fired from my job (unintentionally) and UE decided it was my fault so they're not giving me benefits.  I did appeal, but we don't have an answer for that yet.  In the meantime I'm attempting to collect short term disability since I won't be able to work for at least 2 months (we have a c-section planned for 10/10 due to potential baby health risks).

We both have student loans (which we're in he process of attempting to defer), will soon have a massive amount of medial bills (even though we have insurance), and I'm trying to work with the mortgage company to cut us some slack for a couple months until we can get back on our feet.  On top of that we have credit card payments to make.  Basically, we're currently not bringing enough in to pay the bills let alone pay the bills and take care of our basic needs.  The house is our #1 priority, but the debt collection calls are coming in at record numbers these days and we just don't have anything to give them.

SO! Is credit consolidation something we should consider? Is there something else? What are the best companies to go with?

Can you summarize the given text in a few sentences?
<bot>: we're financially in over our heads and want to know if credit consolidation is the best option, and if so, who should we go with?