wants2 - It's a horrible feeling not knowing how you are going to pay all of your bills. I've been there more than once due to out of control hypomanic spending sprees. I was extremely fortunate that my family came to my rescue and have now taken steps to ensure I can never do that again. I think my meds also help with those urges. I hope you find some resolution to your situation really soon as I know the stress that comes along with it.
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inky / mellors - My heart goes out to both of you. I can't even phathom being in the situation that you both find yourselves in. As you said, this can happen to anyone from any walk of life. It does not discriminate. You are both very strong and brave.
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You are all in my thoughts and prayers. May God help you all to deal with the cards that life has dealt you. I hope that something can happen for all of you that could improve your current situations. Please be safe.