****ing someone is easier than owing FNB money

I am at tethers end. I honestly dont know how I am going to cope. received a call from Barretts and associates regarding my FNB debt which i pay at R750 per month. Asked me to pay more because Fnb wants me to pay 1.8% of the balance. I say this is not the only debt I have with FNB. I have two more Fnb things I am paying totaling R1800 per month and a repossessed property of R1000 per month. This including my current Home Loan of R8700 totals R12,250 per month. How am I supposed to live? I feel like I am suffocating. I cant understand why I must make payment to more than one attorney and why the debt cant be consolidated. I have been paying for the one debt for 8 years and its like I have no other option but to go on debt review to get this out of the way. It isnt affordable coupled with the fact that my company has not given us increases for three years. I am sure I am only paying interest and that I will probably die before I can repay. I am an ex employee of 18 years and i had a business that failed and I will never see the light. No one wants to hear the sad story but it just doesnt seem fair . People get lighter sentences for manslaughter.