Hello Sadly Broke:
My heart goes out to you and your family. Are you familiar with WIC? That is a federal program the assists mothers of children under 5 with food and specialized care, if they need it. Google a WIC clinic near you in your state. That will help you with the formula for the baby.
As far as your debt, keep in constant contact with them. They know it is hard out here. Not contacting them only begets angry and threatening phone calls (which, by the way, are illegal). Freecharitycars.com helps out with the car situation. You may have to do an involuntary repossession (where you turn the car in due to inability to pay because of loss of wages) to help salvage some of your credit. The website helps people, like us, that are down on their luck but need a car.
Salvation Army, Catholic Charities, your home church, etc are other entities that help. Google non-profit/charities and see what you come up with.
As far as income, there are some legit work from home places. The problem is that there are just as many scams! The legit ones ask for no money up front. I know of a few if you want.
I hope this helps. If you need more private help, feel free to post me 1-on-1. God Bless you, honey!
