I know it is not the ideal way to go, but as long as you are current on the mortgage, they will not take your home. It will get rid of the past due on the utility bills. get rid of the credit card debtl. I dont know if this is an option, but if it is let me know and I can steer you in the right direction.
Im still standin better than I ever did looking like a true survivor feeling like a little kid Im still standin after all this time and Im picking up the pieces of my life without you on my mind..