I sense that you "envy" your neighbors in some way for "walking way" from their homes to save money. I suspect you aren't in deep financial trouble either; Otherwise, you wouldn't be late paying bills. That's my psychoanalysis bubble take. Take it for what it is
There's actually a better options. Try to find ways to cutback on your monthly expenses. List your income/expenses. If that means no movies, vacation, or entertainment, or no new clothes for a while, maybe a year or so, your debt (except housing) could be paid off a lot sooner. By then, the "monkey" will be off your back and you can breath a sigh of relief. More importantly you'll have a new perspectives by then. Just try it.