Up until a year ago I was Director of Technology for Arizona Federal Credit Union. Though I'm by no means a lending person I can tell you that this will end up being a rather creative loan. What I'm thinking that many financial institutions will have you do is somehow write a loan secured against your car or home or ...
You can then use the proceeds to pay off the old car loan and credit cards. Sounds like they might be able to treat this as a re-finance of the original loan but I'm not sure if it is possible to extend the amount of the loan beyond the remaining balance.

Good luck!