Basically, as it stands now, and if I understand your post correctly, your credit is already destroyed to the point that making your credit score worse (if that's even possible) won't change anything. So stop paying all the bills except those needed for survival. (Food, clothing, shelter). If feasible, I'd stop paying any outstanding medical bills too.
Next, you need to look into applying for SSDI, welfare and anything else out there. I would also suggest you consult with an attorney to explore the bankruptcy option. That means if you own your house, you will most likely lose it and will have to rent. But since we can't say for sure, that's why you consult with a bankruptcy attorney.
