Hi Chilliperper,
Don't despair, there are some amzing people on here that will support you throught this time. Everyone is great at listening and offering sound advice.
You're priority is your health and your children. I too, have felt such dispair at the mess I have got into, but you can't beat yourself up forever. You are taking action now and the rest should fall in to place. A DMP is a Debt Management Plan, but as Melanie and fellow experts have said, you ned to calculate everything, I know it's shocking and difficult to look at, but you will truly feel better once you have done this. Then, as everyone else has advised, call for professional advice. Remember, they have heard far worse over time.
I'm sorry to hear about your separation with your husband, but hopefully yo can sort things out.
X X