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WOW! You have been through a lot! First things first - your husband is getting the care he needs and that is what is important.

Now let's break this down: 

Mortgages - check with NACA to see what can be done about them 

Taxes - here is some information from the IRS that may be helpful - however, if you can consult with an attorney for FREE, I would do so.... 

social services - APPLY NOW! - you are working 20 hours per week and supporting 2 people - you may qualify for services from them

other organizations such as catholic charities, st vincent de paul, red cross or other nonprofits in your area may be able to assist with utility assistance and replacing your water heater... You can check the links on my home page or with 211

I have NEVER done anything like this before.I don't even know where to begin. In 2007 my husband felloff a roof shattering his heel breaking 6 to 7 ribs and vertibrates in his back. I then was in a car accident totaled my car. It has been terrible the last 2 years my husband just got out of the hospital he might loose his foot he is trying everying everything he can do to keep it. My hours were cut back in my work. Our bills just are insane. We did get fuel asst. that helped us so much. I do have a car but my ins. is due. no money. I am the soul supporter in the family but we are lucky there is only the ywo of us. our mortgage is due,we have two of them one is for 560.00 and the other 260.00. but again we are lucky because we have our own home. my car has a rejection sticker on ot needs to be fixex they said it would cost 900.00 about to be fixed. Don't have that either someone did help us and paid something on our light and gas bill. we owe a water bill 400.00 and a sewerage bill for 900.00 oh not to say we just received a letter from the irs saying they over paid us 1400.00 in 2007.does anyone out there have ANY info on anything I can do.