Sorry to hear that you've had some setbacks, rcguy, but don't give up. The bank should be pretty motivated to help you figure your way through your debts, as it's a lot less expensive for them than foreclosing. You'll read in other posts about how tough it is to find a good counsellor -- it's really frustrating waiting for someone else to help, especially if s/he doesn't seem to care much. Rather than take it personally, though, keep in mind that it's simply bureaucracy in action. They may eventually be helpful, so I wouldn't cancel everything, but do what you can on your own in the meantime. This program is great, and you can do it anytime. Not quite the same as a live group, but not a poor second. Are there any self-help groups in your area? They are often free or minimal cost.
Ask your doctor about bi-polar, but anxiety and depression often go hand in hand. I have both, and I've decided that my theme song is U2's "Stuck in a Moment You Can't Get Out Of". Because of the fear and anxiety, I hesitate to do the very things that would actually make me feel a lot better... which tosses me into the downward spiral as I berate myself for giving in to my fears, etc, etc. Wine to relax in the evening is a temptation I've been giving in to far too much -- as Sandy and the others wrote: it harms more than it helps. So then, how to deal with the racing thoughts and overwhelming stress? Do you have other outlets for stress? A sport? Exercise? Music? I do yoga and meditation. Well, sporadically. I've been using the wine crutch for several months instead, but I've been motivated to change that -- thanks to you for opening up and starting this thread. :)
I think that part of feeling caught in a moment or loop or spiral is feeling a lack of control. There are lots of things happening in our lives that we have little control over, at least in the short-term: case managers, shiftwork hours, other people's behaviour in general, the weather, bureaucracy... But there are always things that we do have control over -- find one of those things, something that's really bothering you, and change it. It's surprising how good it feels to take even one small step toward getting some semblance of control back over your life.
At some point, when you're ready, write about your marriage and the abuse. Some of us have been there, and know that it's a very lonely and disheartening place to be. It was such a relief for me to find others who understood the subtle, behind-the-scenes cruelty that I experienced. Hopefully we can give you some support.
Be good to yourself.