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CUT UP ANY CREDIT CARDS YOU HAVE...NOW!! I can't emphasize that enough. You can't get out of debt if you keep accumulating it. Do what shesus said...eliminate your wants from your needs. If you are really, really in financial straits..you don't need cable TV, or a cell phone (unless you don't have a house phone...phones really aren't a necessity but I"m not comfortable with no 911 service), you don't need all the extras on your phone (I cut all but caller ID and I saved $30 a month right there). Don't eat out. Don't drive your car unecessarily..gas is expensive.
After you've trimmed the fat, call any credit card companies you owe. They will work with you on payments and interest rates after you explain your situation. They would much rather get some money from you than have you declare bankruptcy. If you can get a second job, having one for a little while to help catch up could help.
I was where you were a half year ago. I obviously didn't trim all the extras, as I still have internet access, but I did evaluate my budget and made some changes. I got rid of all my credit cards except one for an emergency, and it has a very low limit. A second job wasn't feasible for me, because then we'd have to put our child in daycare and the cost of that would pretty much eat up any second paycheck I got.
Hang in there. I know it's hard and frustrating and worrisome...you have to be proactive to get out of financial messes. Start making changes NOW, and hopefully things will be better in a few months.
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"They say that patriotism is the last refuge to which a scoundrel clings; steal a little and they throw you in jail, steal a lot and they make you king"
Formerly Medusa
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