Forgive me but based on your post it sounds like, even setting aside your medical emergency and subsequent financial problems, you didn't quite understand what you were buying when you signed the contract.
Even if you're making payments on your Disney Vacation Club points, you are still technically the "owner" of the points until the deed expires. Just dropping the payments will at the very least seriously screw with your credit rating and you probably don't need that headache if you're already dealing with financial problems due to missing six weeks of work.
I don't know big your contract is, how many points you are financing, but you get that many points to use every year whenever your "use year" begins, and as others have said if you bought in June, you have points to use from June this year until June next year (unless you bank them). You also have a year's worth of points you can "borrow" from that would otherwise be usable next June.
Probably your best short-term solution would be to rent out the points you have for this year and possibly next year. There is a website - David's DVC Rentals - that act as an intermediary between folks like you who own DVC points but need cash, and people who would like to stay at a Deluxe Disney resort on the cheap. They will take all of the guess work out of it for you, and it's just a question of how fast they can rent your points for you. Wilderness tends to have a decent demand so it probably wouldn't take long. They're going to give you $14 a point, and I think they rent them out for $17 and that difference is their profit. Assuming you have 175 points (that's the current minimum to buy in, yes?), that would give you $2450 if you just rent out one year's worth of points, $4900 if you borrow next year's points and rent them out, too. Look them up. Good luck.