Unfortunately, when my attempt resulted in a hospital bill in the hundreds of thousands of $ (fortunately, I can no longer remember the exact amount--somewhere over $200K), I ended up filing for bankruptcy. In my experience, filing for bankruptcy caused a lot of anxiety and guilt, but once it was over, it did give give me a fresh start. Owing money causes a lot of legitimate worry. I am sorry about what you are going through. I am also sorry to hear that you are losing your home. This is a tough time to lose your home. Your depression is natural and understandable. IMO poverty is a type of trauma. We can all only withstand so much. Sending prayers your way.