I understand that no one wants to file for bankruptcy protection, but given your financial problems, bankruptcy may be the only way to prevent foreclosure on your home and repossession of your vehicle.
I encourage you to consult with a qualified bankruptcy attorney as soon as possible; the sooner you are able to file your petition, the sooner the court can issue a stay to protect you and your assets from collection activity. I wish I could tell you there was another way to resolve your financial crisis, but I think that bankruptcy is the only viable way to protect yourself from your creditors. Again, you should consult with a qualified bankruptcy attorney to discuss the options available to you under the bankruptcy code.
To learn more about bankruptcy, I encourage you to visit the Bills.com Bankruptcy Information page.
I wish you the best of luck in solving your financial problems, and hope the information I have provided helps you Find. Learn. Save.