Will credit card companies let me not pay for 2 months to get caught up on my bills?

I am in over my head. I do not want to file bankruptcy. I tried a debt consolidation loan but was turned down because I "owe too much"....duh! That's why I wanted to consolidate. If I contact credit card companies will they let me not pay for 2 months so that I can get caught up on other bills and not start out in the hole every month??? Or what about those companies that negotiate for you with the credit card companies? I've heard bad things about them. But I have to do something or I will be forced into bankruptcy....HELP!!!