How can I get help with my debts??

The information you provided is limited, but I suggest you consult with an experienced bankruptcy attorney in your area to evaluate whether you have options, be it bankruptcy or otherwise. Even if you have filed before, there may be opportunities to consider.

Your question is open ended so there are a lot of answers that I could give, but here are some of the basic factors to keep in mind: Track Expenses: This seems obvious, but if you simply track your expenses and separate "living" expenses from "additional" items such as credit cards and non-essential spending, that alone will tell you and your attorney a lot about how to tackle this situation. Track Income: Again this seems like a no-brainer but the answer may surprise you. Track your rate of pay per pay period(s) and per month, then look back 3, 6, and 12 months. What is your gross pay/month? How about your actual take-home pay? Negotiation with Creditors: The information you gather about your income and expenses will allow you or your attorney to make a crucial decision - should you negotiate with creditors or consider a more radical solution such as filing bankruptcy? Remember, no matter what your situation, there are options. They may include liquidation, reorganization, or simply negotiation with creditors. Feel free to contact our office if you have additional questions.