I work in A/R and come from a family of debt collectors.
Have you tried working out a payment plan with the collection agencies?
A lot of them will most likely accept something instead of turning it down.
Have you looked in to debt consolidation? That may be an option for you.
As far as your pension goes, is there any way you could get the government to lower what your ex wife gets due to your financial troubles? You could show them your collection notices if they need proof.
Like others have said, if all else fails, bankruptcy is your best option and dont feel embarassed or ashamed. Millions of people file for it every year
CBF