Geoff,
Welcome to HealingWell. I am so sorry you are in this position and I know how easy it is to get into debt. I sense you are in a very tight place right now so I am going to address the debt first.
You can get help from an organization like National Foundation for Credit Counseling. NFCC has branches throughout the country; they are a non-profit, community organization that provides free and confidential debt management advice to anyone who needs it. You can even consult with them over the phone.
Like other debt consolidators, NFCC gets paid by creditors, so it's in their best interest to work out a repayment plan rather than advise you to declare bankruptcy. Not that you want to be advised to declare bankruptcy, but in certain cases it may be your best option.
NFCC makes no outlandish promises beyond the prospect of a saner financial life. http://www.nfcc.org/
I know this is very depressing but each of us had made some bad choices in our lives and you won't solve your problem beating yourself up. Your just a human being.
Try not to dwell on the past but stay in the moment. Deal with how you will turn things around and you will succeed. Coming here talking to us was a positive move.
Welcome to our world.
Sincerely,
Kitt