For starters let me say I am in a similar boat. Depression has ruled my life for a long time, preventing me from making ends meet and I to am about to lose my car and home because of it. I have made poor choice and developed bad coping techniques like you.
Hopefully you can find some comfort in the fact that your not alone.
Even if you lose those things you can always restart. It will be hard and at times feel impossible but I assure you it is possible. Work on getting your mental health in shape and go from there. Take on a new hobby that makes you happy, find people that make you happy. It's what I'm doing and it's working, slowly but surely it is working.
It isn't over yet, keep fighting the good fight and you will come out on top.