My financial house was in such as wreck after all the years of using, charging up credit cards, living beyond my means, etc., I ended up filing for bankruptcy. I really didn't want to, as I didn't feel it was a very "responsible" way to deal with thing, but I got to the point where I was taking one step forward and two steps back.
I'm not sure what kind of debt you have, some can not be effected by bankruptcy, but even if you could look at credit councing and restructuring, it might help. If you are in NYC, or any big city for that matter, I know the cost of living can be crazy. Not sure what else to suggest other than trying to negotiate a more lienient deal with your creditors. Good luck, I know it's a tough place to be. Take care.