Chartreux, I'm sorry to hear of your financial troubles, and I new you had a rough weekend after reading your post on another forum.
I do remember one time in my younger days, my wife and I got in a bit of a financial jam, and could not make the house payment, so I called them to let them know. Since I had good credit and a good record with them, they took that months payment and tacked it on the end of the loan.
This helped us out greatly and gave us a little room to breathe. Maybe you can call and ask if this would be a possibility for the both of you.
Life does throw some very fast and hard curve-balls, and it's tough mentally to get through them. Stress, depression, and pain is not a good mix, but what is one to do! Let's hope things smooth out for you soon. We certianlly hope you dont have to work, in your condition. It's hard on me, and I think you have several more DX's than I do!
Take care, and hang in there!