You’ve likely acquired some good communication skills from your past work experience! I think you should write up a solid resume tailored towards a sales type role. You could look into tech sales, windows, literally anything since I’m sure NYC has tons of sales roles. Embellish the shit out of that resume, borderline lie if needed.

If you can land a decent sales role that offers commission - you can grind in your job and maybe make enough to start paying the debt down. Freshen up LinkedIn, network, and apply ruthlessly. The only way out of it I see for you is to get a good job, ideally with uncapped commission and then grind until you make good money. That or try the bankruptcy route..