I can't believe I'm doing this---but I'm so scared

My husband and I have had a spiraling downfall with debt.  Yes we both work, we have a car.  No, we don't have children.  Our credit was tarnished severely after moving from NY to VA without research...this was stupid.

Some unexpected cost came up (THE IRS) and the satisfactory payment arrangement is hurting us.  What else could happen next.  we get involved in payday loans.  WRONG!  Paid them off.  But it seems as though the money is there but we don't have any cushion.  When the pay check is in, it goes right out and we have to juggle to see who will get what.

What next?  Surgery.  Yes, there's a payment plan and insurance.  But we just can't get caught up.  Forget about getting a tax return.  Although we adjusted our taxes so that enough comes out, it all goes to the $6,000+ owed.

Two churches have helped and I was soo surprised that anyone would help a working class person.  I thought you had to be completely homeless to get help.  But still, there is no cushion.

Today, my rent is due, car insurance and a car payment.  If I don't have a car, how do we get to work?

I am soooo scared and embarrassed.  I have no one to turn to.