It will not be easy.
You will need a lifestyle change.
It is an entire family effort.
You have to admit ALL of it to yourself and family.
1. List all the debt $ amounts.
2. List all the asssets $ amounts.
What can you get sell? Everything from books to cars. If you can sell it at a garage sale, in the paper or online DO IT NOW.
Call your creditors, tell them what is going on. Propose a plan. can they stop the late charges? reduce the interest? DO NOT USE ANY MORE CREDIT CARDS……EVER!
Any other ideas folks?
You can do it.