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I can't say I have been in a similar situation or that I am qualified to be giving specific advice. I'm glad you're seeking help from a trained professional. I will say this though:

Even though it may be hard to do so right now, try to focus on the things that are in your control at the moment. What was your skillset before your disability. Which of these skills do you still hold now?

Are there any disability inclusion legislations in your country you could take advantage of when looking for a job?

I'd even do some research. What is your long term goal? You said you were a founder in the past. Do you still want to do something similar to this? Try to see if there are founders that had similar situations to yours. You can even look into their lives and the road that they took before they got to where they currently are.

As for the short term things like being late on payments and bills, try to ask a friend or family member for help with your finances. They might be able to look at things more objectively and help you make cuts in certain areas until you get back up to where you may want to be.

This is all of course going to take a lot of work, and it's definitely going to have its challenges. This fight is not going to be easy but I assure you that it will be worthwhile. I wish you the very best.