I'm about to lose EVERYTHING, need some URGENT help! (kind of long read)?

Here's the deal. My dad was at a part of his life where everything seemed to be going swell. Quit smoking for 2 years, just bought his first house, got custody of me, had a job paying $25 per hour, plans to get married. Had plans to start his own business, and investing in stocks and the real estate market. After a series of stressful events with the family, I guess he went into midlife crisis mode and "crashed". He's 39 now. He's going bald and has gained weight and seems depressed. He started smoking again. Quit his job. His plan was to use his $20,000 in the bank to live for a while while he searched for a job. But he didn't. He "took the summer off". Now it's October. He's been spending his money like crazy. Let his brother borrow $1,400 (and he's not paying back), gave his mother $500 for her 70th birthday, let his friend borrow $1,000. He bought a new $1,000 computer. $250 vacation. A bunch of mini golf visits and the such. Random purchases of videogames and stuff. A few months ago I heard his balance was down to $8,000. Today I heard it was down to $3,000. He's maxing out all his credit cards. Now my stepmother and I are very worried. Mortgage is about 1,000 dollars so there's 3 months left. We keep telling him he needs to get a job. My stepmom has applied for some low paying jobs. They both have not gone to college. By the way I am 15 years old. I'm afraid. Winter's coming so I'll be needing snow gear. I need a cellphone. I DON'T EVEN HAVE HEALTH CARE. How can I get contacts?! I need them! What if I break my leg? That's a HUGE hospital bill. I also need a physical if I want to join volleyball. Volleyball is my LIFE. We keep telling my father that he's in a bad situation. All he says is "we're fine, trust me." and "don't worry about it" and "I like to do things last minute". Before home improvement and starting businesses and getting married and getting a new car were his goals. Now all that's left is KEEPING our home. I'm in huge trouble. It seems he won't listen to ANYONE as he watches his world, and my world, crumble around him. Like, all this is happening and LAST WEEK my dad let his friend borrow $1,000! Makes no sense! I'm super afraid that he's underestimating his problems and won't realize what's going on until it's too late. And this isn't a mistake he can learn from, if the mistake happens I am screwed. I NEED HELP, AND FAST!