Debts are dragging you down. It's time to take a step towards financial independence. Talk to a caring or charitable organisation designed to help people in your situation. With the help of a money expert, you'll be able to consolidate some bills and eliminate others. There are so many people in your situation. That's why creditors are eager to cut good deals. If you demonstrate a willingness to satisfy some obligations, you will be released of others. Take a deep breath, admit your problem and ask for help.