Your best bet would be to get a debt counselor. A non-profit firm would be your best bet, since you don’t want to be losing any more money. Just be sure you check out their privacy policy and how much enrollment and monthly fees will cost you. Also be sure you know exactly what services they’ll offer you – is it only counseling, or will they give you budgeting advice, or even provide you with a debt-repayment plan? You’re giving these people a lot of your money, so you have a right to be informed about everything.

After you found a service you trust, take all your bills to them. They will determine how much you can pay each month, and distribute your money among your creditors. In the end, you will have a balanced budget, all your necessities in life will be covered, and your debt will be repaid – if not quickly, at least surely. You will also stop receiving phone calls from your creditors, who will be happy to know you’re debt to them is being managed professionally and that their money is sure to be repaid.