We think your first step should be to talk with a counselor affiliated with The National Foundation for Credit Counseling. You can give them a call at (800) 388-2227 or visit their website at www.nfcc.org. They should be able to help you develop a game plan to meet your financial obligations and get to a better financial place. Sure, there might be some seemingly easier paths that you could take, such as bankruptcy or debt settlement, but the advisors at NFCC should be able to help you fix your immediate problem, develop a debt management plan, and budget as well as build habits that can carry you forward for a lifetime. Good luck.