up to my eyes in debt

How did it ever get this far. Can't sleep at night for worrying, crying,arguing all because of the mountain of debt we are in. We have both worked all our lives, husband is retired and I have been off with illness for four years. Loads of credit cards given to us. More credit pushed on us. You would think at our stage of life we would have had more sense. Two grown up kids who neede financial help so what did we do we used the vredit cards to help them. We found it increasingly difficult to make the payments each month, so we fell into the trap of using the cards to pay cards. Before we knew it we had hardly anything left on the cards. What next we foolishly remortgaged and £18000 which is what we got. How stupid could we be we started using that to make the monthly payments till it was all used up. Now the cards are all used up and no cash left to pay them. Desperation is setting in rapidly.