Girl, I feel your pain and the more i read, the more i wish i could actually sit with you for a coffee and a chat. You need help, you are far too messed up. pLS stop and think of your girls, they need a mother at home for them. They are your priority not CU.
Your mortgage should not be in arreas, thats your main priority.
Pls do yourself a favour contact the mortgage lender and explain the situation and ask them for 3 or 6 months break. contact CU and re-schedulle the payments on a 3 month basis, allow yourself to pay all the samll debts out there, get back on your feet and do not take up any more loans. Contact MABS, they are great to help people on your situation, i am speaking from my own experience...take the time nd call MABS, you really need help. Good luck my friend and dont lose hope, best days will come!