i think the PPs have given some fantastic advice, i hope you can find the strength to make some calls

you know what - crap happens. we all make mistakes. it can feel overwhelming & sometimes easier just to ignore it & hope it goes away. but i really think you can do this - you can face up to it, make some calls & get things happening. if you do end up having to declare bankruptcy - life will go on. sure it'll make things a bit tougher but it's not the end of the world. absolutely exhaust those other options first - and please don't feel bad making the calls or asking for help. the people you'll be speaking with hear similar stories every day. they're not going to think badly of you or anything like that.