Stop the auto withdrawals if you can; go to your bank and rearrange things a bit, lower the amounts, stop one, etc. You don't need bank fees for bouncing stuff added to your troubles. If necessary, "give back" whatever one of them is; car, etc. if you can't afford it -- figure out alternate transportation.

Have you/fiance ask for an advance on your next check from work; I did that once before. That might tide you over until a refund or something comes.

Pawn or sell something; see how much the pawn shop gives for CD's and take ALL your finance's there along with any players

Borrow $10-$20 from 5-10 friends and relatives (if that will help; don't know how much you need total).

Go talk to the landlord, work something out with him about the lateness of the rent check and promise to commit the refund to him.

See if you and hubby can sell plasma or join a medical study that pays http://www.ehow.com/how_110908_sell-plasma.html