If I were you, I would try to sell the house even for a small profit so it won't ruin your credit, then move to an affordable apartment.

    For your 2nd question, go to daveramsey.com and try to access his finanial advisers in your local area.  They can help you by directing you properly.

   In the meantime, try to live within your means, don't eat out, avoid wasting any resources, and find an immediate job like delivering pizza, newspaper etc.

Good luck to you and I hope your financial situation will be much better.