Looking for Hope

My hubby, the poor thing, has had back pain for quite some time. He finally made it to his Chiropractor appointment and they told him he had 2 bulging discs and he needs an MRI. Although we have fabulous insurance he told me that he will owe $100 some odd dollars for all this. I feel really sick to my stomach because he may also have to quit his job. He sorts and loads packages for UPS, its been a great strain on his back. So, my hopes for financial security are looking very dismal right now. My hubby called during the middle of a work day and dropped this bomb. I had to step out and cry in the restroom. To make matters worse I am behind on my car payment and I received a letter today that I have 5 days to pay or they will take my car away. I already had one car repossessed 3 years ago and this car was supposed to boost my credit scores. I posted awhile ago about getting the walls of my financial freedom better but it seems like they are about to fall down one by one. I really don't know how to get out of this. I have no one to watch my children if I get a part-time job unless I pay them and a part-time job would mean losing time with them as well. Then the point of working a part-time job would be to pay a babysitter so I am really, really searching for some hope. I am looking at Dave Ramsey's Total Money Makeover book for some guidance. I have also said many prayers, I know this is part of God's plan. I wish I had family to help me but I don't. Anyone have any suggestions? I am really down now.