Best Options

I am currently around 45000 in CC and loan debt and owe 21000 on my car and 207000 on my house. Currently everything is on time but that could change very fast. I am scraping by and so tired of not having enough money at the end of the week. My job is ending at the year where i take home 4300 a month. I am supposed to get a severance of 6 weeks’ pay and a retention of 4000 after taxes. I am not sure if i should wait until my job is over before i pursue help.