I'm in meltdown, advise please?

Oh sweetheart you need help and quick, I think you need to go to Citizens Advice and they will give you all the help and advice you need, you could do with an IVA, that way part of your debt will be sorted out with your creditors via a government office it should leave you with less worries each month too, make an appointment with the CAB asp and honestly you will be so glad you did, all the very best to you.