I think the best thing for you to do is to take this as an opportunity to start afresh, especially since new laws are coming in that will require owners corporations and strata managers to offer some sort of payment plan to people who are behind in their levy debt.
In your shoes I would be asking the Owners Corp to stop adding penalty rates and for the strata manager to facilitate a reasonable plan to pay off the debt.
Have a look at this governement web page which is at least a starting point. This is a free financial and legal advice service – it is not a lender offering to consolidate your debts, as many services masquerading as financial assistance are.