So sorry to hear of your troubles! I can SO relate. I also lost my job Dec 2009, with that and a divorce a year later, I lost everything. One thing I have learned through my journey of what I call "the other side", is do what you must even if it means getting out of a 1300 dollar a month home, and moving into a 600 dollar a month home, or in my case, move into Government housing. Also, keep in mind, although it feels like life is kicking you down everyday something else piles up on your list of "behind bills", your life will not be like this forever. As long as you are strong and try to stay as positive as you can, you WILL pull yourself out! (I DO know that not everyday you can be strong, so cry when you need to!)
I am hear if you need a shoulder to cry on. I hope that you find help here, but not just help that is going to get you out of trouble for the month, but that will be there with good advice that will lead you out of trouble for years!
Hugs,
Jen