At this point bankruptcy may be your only choice. Creditors have stopped calling because your phone is disconnected. But recovery from this point will become more difficult and costly even with a bankruptcy. You swapped cars with a relative so your car will not be repossessed. Desperation on your part and your creditors.
Repossessions can be a dangerous and humiliating experience.
In many cases it can be the first outward sign to friends and family that something is seriously wrong. For a few this desperation turns into illegal behavior. You have received court summons for foreclosure or eviction. Legal assistance is all but mandatory at this point. There is often no where else to go.