Debt Consolidation Loans Texas

I can not pay my debt consolidation that I got a year ago,what are the consequences?

I did my best trying to pay my credit cards, until my situation was getting worst, I got a debt consolidation almost a year ago, but NOW that seems to be impossible too. I can not pay them anymore. What happens If I stop making the payments. Can they take me to court? considering that my salary has dropped more that double? Also, I can not pay a signature loan either, they are telling me that they will go after my car, can they do that? I live in Texas. Any suggestions will be very Appreciated.
Thanks.
Omar.

call the program you are in so they can work out a lower payment plan if you stop paying the lower rates you were offer are off the table and interest is going to start accumulating again and the creditors are going to start calling you again and you are responsible for the original amount