Explain your situation it is worth a try but my honest opinion dont expect to get a sympathetic lender on the end of the phone! if i were you i'd ring the bank you have the loan with and ask for a meeting with the lender/ financial adviser, go in prepared with your income & outgoings and see can they work anything out with you.......
if all else fails maybe look into selling your car, maybe buy a smaller one or if public transport is possible get rid of it all together use the sale proceeds to pay off some of your debt.
Your wife will obviously be going on maternity leave that will save on childcare so use that money sensibly.
Look into a long term personal loan maybe over 20 years, consolidate your car, persoal loans and credit cards (and cut them up!!!!!!) it will cost longer in the long run but will be less of a monthly repayment, and you can always pay lump sums off when you get back on your feet.
Try little things to save on money, use the internet on your lunch break get rid of that extra bill at home!
Shop around for groceries, try reduce that bill to 100 less a month.......
If you have no luck with your current bank, id go to a broker see can they do anything for you, they do all the work and check with all financial insitutions