Not even counting food, housing, transportation? As you’ve likely already figured out, you’ll NEVER get out of debt that way… So, stop paying them. Yeah, they’ll yell, foam at the mouth, and flop on the floor like a 2-year old. But all that won’t get you to give them money you DON’T HAVE…
Send this letter(customized for your situation, of course) to all your creditors. It basically says that you’re in financial straits(true), your expenses are more than your income(true), ans asks if they have any hardship programs that can help you avoid bankruptcy. The ones who are smart and work with you will eventually get their money. The ones who are stupid get put to the bottom of the list.
Do you have a written budget? If not, do that TODAY. List all your incom on one side of the page, and your expenses on the other side of the page. Food should be top of the expense list – if you don’t eat, you won’t live long enough to pay off your debt. 🙂 You need to pay your ‘4 walls’ first – food, shelter, transportation, utilities. If you can cover THOSE with your income, you can work on the rest. If you canNOT cover those, you’ll need to make serious changes so you can. You may have to get a second job, or move to a cheaper place to live, or downsize your transportation. If you’re making payments on an SUV, sell it!
If you feel comfortable posting your income and expenses, someone here should be able to give more concrete suggestions.