My heart goes out to everyone in this situation. Times are tough and that's no joke. My wife has gone back to work part-time to help with our financial difficulties. The piano business is a good business, but it's a luxury service and things have been very slow. Gigs are getting hard to come by, as well.
The good news, as I think I posted here before, is that the Cyclotron Lab at MSU just got a huge grant from the government. I used to work there, so I'm sure if things get really bad I can go back to work there. I'm also starting to assist at a local recording studio, which helps offset the lack of gigs and tunings.
Shawn, you've mentioned several times whether it's "all worth it". I hope you're seeking some help for depression. Money really doesn't matter. Tell the creditors to go fuck themselves. What's the worse that happens? You file for bankruptcy and life goes on. Life is all you have, money comes and goes.
My dad always used to say "Where there's a will, there's a way!" We went through some very tough times when I was a kid. We never had a lot of money and had hospitals calling all the time (I think my dad finally paid off the bill for my littlest sister's birth when she was 18!) Somehow we made it through. I guarantee things will work out!
And if all else fails, you can come up to Michigan and be our road manager! There's no money, but you can hang out with the Alfredsons and we've got a guest bedroom!