- Don't open any more lines of credit and stop using the credit cards/credit lines you currently have. Cash only (or bank debit card only).
- Pay essential first: food, electric, mortgage/rent.
- Get current on your bills. If you do not have enough money coming in, get a second job (this doesn't have to be permanent).
- Write out a budget each month and follow that budget. When the money runs out. Stop spending.
You can get yourself out of the mess and back on your feet again. But don't let yourself be taken in by scams. It takes a lot of work, but you can do it.
Reference: Dave RamseyPhoto by Jenn_Jenn. Some rights reserved.