Wife passed, left horrible financial situation. Need advice. - Hey folks,

Throw away, of course. I'm 38m, active duty military. For the past 10 years, my wife has been in charge of all the financials. She had a general power of attorney so she could handle things while I was deployed multiple times. I rarely spend/spent a lot of money, and would just ask if a purchase was "ok". I stress easily and was happy to let her handle everything.

My wife passed away, unexpectedly, last month. This leaves me and my 11 year old, special needs, child at home. After a month, I have finally been able to piece together the nightmare that is the financial situation she left me. I'm torn between grief and anger at this point. Bottom lines:

~29k in credit card dept (3 cards, all maxed)
~12k in unsecured debt (3 personal loans with our bank and 3 loans through Affirm)
2 cars, selling hers next week, around 8k left on mine.
~560k left on mortgage, home worth around 700k

I went to NFCU this afternoon to discuss options. Bottom line was two fold. Consolidation loan wont work, she tanked both of our credit scores and we just won't qualify. Home equity wont work, as our current 3% rate will spike to at least 7% with the current rates and my credit score.

Not to mention I no longer have her income.

Not sure what to do, or even what direction to look in. More then happy to provide more details if anybody can offer advice.