when i was having problems i was so deep into debt that it made me use more and not care at all. credit cards maxed, etc. but since i stopped using i actually am able to pay it down slowly. its really easy to screw up you credit and finances, and so hard to fix them.
there is hope, just do whatever you can to be on time with payments, if thats even possible for you right now. get better first, then worry about that stuff. it gets better and your life isnt over, not even close. i've been there. if it helps only think from day to day, not into the future where you get overwhelmed at the entire situation. i still do that to this day, and i am still paying money for my screw ups. good luck.