Money is just evil. I'm sorry your in this mess. Have you thought about doing a debt consolidation?

I have no credit cards, If I don't have the money I don't get whatever it is... Or maybe you can do a credit card that you put money on it and once it is used the card just wont work...

I hope you find a way to take the stress off you, Your situation doesn't make you a bad person .. things like this happen.