I think with your prescription abuse problem you really need to see a therapist who can also help you with your depression.

Have you only taken SSRIs? There are some 2nd generation antipsychotics approved for the treatment of depression.

Have you already filed an appeal for disability? If not, do that.

Don't see the debt as ruining your life. When you're in a better place you can file for bankruptcy and start with a clean slate.

Do you walk your dog? At times when I felt too depressed to get up my dog whining to go outside made me leave the bed and walk her, albeit slowly.