First call the places you owe money to, credit counselling services can often appear on your credit history etc. Better to do it yourself. Explain your situation and that you want to work with them not declare bankrupsy or any other pay a percentage solution (as those are often looked at like a bank.)
You can ask them for a lower interest rate (and keep calling you'll get it they want their money and really 10% is still 2X prime these days, they can take the hit). Work out a feasible monthly payment plan, and be on time even if its $25 dollars a month.
See if there are counselling services for finances that will not show up on your credit, get help with bugeting and figuring out where you are running into problems, and how much money you need at a min to live.
Plan for a garage sale at your moms and I am sure you visit haul a little at a time, maybe a weekend in late August? I think you will make more with less hassles than on ebay once you figure time, going to post things, answer questions,ebay fees. Plus its all cash
And your mom might toss in some of her clutter to help you out.
Or you can donate stuff for a tax reciept if that would help you out at all.
I am not sure if you own your living space? You can rent a room, or outright sell it, home equity loans are probably not a safe bet in your position.
If you want to stay home you could always become a foster parent..
Regardless its probably a great idea to get rid of all the extra stuff you don't need as if you have to move farther away if dh gets a job out of area, the more crap you move the more it costs you!