80% of the problem when depression starts because of debt is because many people hide themselves away and do not seek help - they think debt will go away - it won't!
Sorry to be blunt!
You need to get some help, search out 'Free Debt Help' online.
Do not fall for anybody offering debt help at an upfront fee - these are scams and are not interested in helping you.
Talk to the people you are in debt with, tell them you are seeking help.
Sometimes a simple consolidation loan can help smooth out your debts by lowering your bills and spreading out the debt over a longer period.
There are many places you can find help... Look out for some of these places that can help in your town or online.
1. Free Debt Advise
2. Free Debt Consolidation
3. Free Foreclosure Advise
4. Free Debt Consultations
5. Free Debt Counseling
Some of these services may be available in your town - just search online and add your town/city/locality into your search.