1. don't work under market or signal that you will unless you are actually an under market-skills programmer. 60-70k for someone with no professional programming experience might be the market (which is currently flooded with junior devs from the various hacker schools) -- it really depends on your skill level.
2. It might take a few weeks to land something -- have you negotiated a payment plan with your creditors. What is the least amount you need to make for a side project that will take some pressure off?
3. your email is not in your profile. Contact me: loumfranco -at- gmail -dot- com
4. I will tech screen you today (or this weekend) if you want and give frank advice. I can make intros in NYC -- I am a consultant and my clients are all hiring (as is nearly everyone). This would be full-time in NYC (contract and perm are available).