Should I let my account close so I dont commit financial death?

For context I am 25m and been trying to rebuild my financial life after going a little to far into debt. I was doing well until I got to March.

​I somehow withing a blink of an eye lost all my money and went to far negative in my bank account and havent been able to recover. I have missed a two car payments, and been late on other bills.

​I have until Friday to get my account back to positive standing but to do so I would be putting myself in finial suicide as that would mean another missed car payment, other late bills, and I dont know how I woudl afford food I have canceled everything from streaming services, I lowered my internet plan.

​I am at the point where I just want to go to a local credit union and open an account that is for people who are trying to get back on track and my bank account I have now close and negotiate a settlement where I can make payments. Because if I pay it all at once like I said I would be putting myself more at risks.

​I am trying to figure out what the long term consequences of this could be. Any help would be appreciated.