Letting them repo the car is bad...
you need, like previously stated, to get your monthly bills and expenses over to a bank for some credit counseling. You need to
1) negotiate with your creditors.. they want you to default about as much as they want to pay the bill themselves... you can get your interest rates lowered.
2) get everything onto one loan payment.. one monthly payment you can deal with
3) toss the credit cards... if you don't have cash, don't buy it. Saving one for an emergency won't help if you can't use it come emergency time anyways.
Once a plan is drawn, stick to it. This is as close as people usually get to bankruptcy that they can actually get out of with a bit of planning... renegotiating interest rates may incur HUGE penalties if you don't keep up with the payments.
You just got to work with your bank on this... and maybe call the free credit counceling hotline...
DO NOT PAY A COMPANY TO DO IT FOR YOU...
a couple 'non-profit' credit counseling companies in the states are in lawsuits because they seem to have a bad habit of not making bill payments like they say they will, and keeping interest repayments for themselves. If they ask for a donation, or something to cover their overhead, they are not non-profit...
and lastly..good luck.. just take it one item at a time, and you should be able to get out of it....
