Sorry to hear your bad luck mate.....
This wont be an ideal solution but i was trying to think what i would do and i reckon i would try and sell the car. I would get something smaller and set yourself the target of clearing your debts for a while. Its a horrible thought but if you re-finance, you could end up in the same situation again but worse.
If things get tough for me, i imediatley pull my belt in and just hang on in there. It wont be long before your luck changes and you are on the up.