Depending on what kind of long term debts you are talking about, for example on credit cards/collections/medical bills, you can call the creditors directly and let them know about your financial difficulties but want to make good on the debts. Some creditors can and will freeze your interest rate charging to the account. Some places will also accept a settlement with monthly payments. With medical bills, as long as you send them $10 a month, they shouldnt send it to a collection agency and should remain off of your credit report.
I hope this helps. Good luck!