Look sweetheart, I'm really in a big rush today and don't have the time to give you my complete answer. But it doesn't matter. Sooner or later a poster named Soulful Survivor is going to come in here and give you a brilliant ananlysis from her own experience into your situation. PLEASE NOTE EVERY WORD WHEN THAT POST COMES ALONG!!!!!!!!
There are some other people on this board who will also give you fantastic advice, so please heed it and save yourself.
You are in a dire situation, and I'm just very thankful that you happened along this site, it is full of caring, wonderful and wise people. Take it like divine guidance and follow through!
I'll be checking in in about a couple of days. Many blessings to you sweetie!