i wish i knew specifically how things worked... i don't. so i would start with calling social services and asking them.

i know there are financial advisors who help people who for instance get in over their heads (way deep in debt) with credit cards.

i am wondering if social services has staff or agencies they work with that could help you sort out the current situation and make a plan for managing your monies, even perhaps offer a supporting role in the future... say periodic consultations.

hopefully there is some free assistance available to you, especially since you have had major episodes with depression and presumably that is what got you into trouble with letting things slide...

sorry things have got so bad.

~ waves ~