First off, let me say..."There is no quick fix for this problem". You got in this problem over the course of years and it will take some time to get out of it. The best course of action is to be patient, pay all that you can on the bills, and don't spend more than you absolutely have to spend. Borrowing more money to pay the bills off will most likely just give you credit cards with zero balance and a tempation to max them out again. The only way you will LEARN to not do this again is to get out of it the slow and hard way!!! |