up to my eyeballs in debt

Well not really but I feel like it! My income has been reduced by 30k this year due to my hubby being unemployed. He will return to work in July. Anyway, I was handling the bills just fine until my overtime got cut out and then Christmas rolled around and it's just been down hill since. I'm trying to re-fi my home right now because that payment is adjusting and going up $120/month. I also have a couple of unsecured debts. One is like $10K the other is arounf $3K. I'm amking the payments on the 3k loan b/c my credit union has it where it comes out of my check when my direct dep comes in. On the other hand the $10K loan is like 4 months behind because the payment is $200 a month and it's just not there. I can hardly keep my house payment & the utilities paid and I just had to let the small credit cards and the $10k loan go. Any help would be appreciated. I'm about to scream!