Wow, well first off I'm very sorry to hear what happened and I'm really glad that you made it out okay. The money stuff can be handled later, obviously your health is most important!
Now getting to the situation:
1) What's going to hurt the most is that tax lien. The collections accounts hurt, but not as much as the lien. You've probably already looked into it, but the IRS does seem to have a program here if you have a direct debit installment plan and owe under a certain amount: http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Fresh-Start-Notice-of-Federal-Tax-Lie... . But I know you've most likely already looked into it. After it's paid, you can file to have that lien withdrawan...any guesstimates on around when that may be? PM me this, I'd hesitate to have you post in public because it has to do with the IRS.
2) Have you tried getting those collections off? It's worth I think reaching out to collections agencies and conditioning future performance on deletion (at least when fully paid), if possible imo. Also keep in mind if you've defaulted and it's been a while, it'll have been sold to the collection agency for pennies on the dollar. IMO it's not worth it to pay face value. Negotiate with them for payoff amount and a deletion at end of amount (often can be settled for 25-50%).
3) After you pay the hospital off, you can get it removed entirely. Eventually look up Whychat's HIPPA dispute (google it) after it's paid. Also don't forget to negotiate these amounts! Nobody pays sticker prices on medical bills...the insurance companies often have their negotiated rates at like 10% of the sticker price.
4) I realize these things are going to take a while to solve, and that you need a car now. The only thing we can work on ASAP to get your score up is util. Even though you PIF, the monthly charges that show up on a statement (aka the statement balance) still counts against util. What's the Total Statement balance/total credit limits? If that's high, a quick and dirty way to handle the situation would be to pay off BEFORE your statement cuts so that the statement shows 0 balance on one card and a balance for the other car < 10% of it's limit...that would optimize your FICO util wise.
Ultimately, I think you'll be able to be financed at a dealership. I'd apply to a bank like cap one online first and see what they give (they could very well decline). The only thing is the APR will be high. When are these issues going to sort themselves out (PM me if you want esp. w/ the IRS thing)? You can probably refi for a much lower rate down the road...the only question is when that's going to be.
