I don't know what to say, the only option for me was to turn control over really and I am so sad that there is no one there who can do that for you. I don't know what things are like in the United States but here in Australia there are kind of financial advisors/budgeting people who can take control of your debts and stuff I am not sure but there might be something like that?
Bankruptcy man I had to do that about 15 years ago. I was (wisely as usual) not paying insurance and spending it on other things and got involved in a four car accident which basically put me in 60 grands debt just like that and I had no way to pay it. The Bankruptcy stopped all the wolves at my door but it was still a long hard process just being able to get any kind of credit at all.