If you're repaying student loans, you could try consolidation or requesting a forbearance. If you have consumer debts, then maybe you could consolidate those through a reputable company to condense several bills into one. Your local or state consumer advocacy agency should have a resource list of decent companies. Check with your electric/gas utilities to see if you can qualify for assistance or reduced rates. Check with your local social services office and ask for a social worker to tell you about every program your situation qualifies for. If you're concerned about foreclosure try these pages for info:
Many credit unions have financial advisors who can give advice in situations like this. I really recommend finding a TRUSTED free advisor who can evaluate your situation and help you make decisions about what to do.
I hope you catch a break soon.