I'm sorry that you find yourself in financial problems. I have been there myself due to hypomanic spending sprees. Do you have family that can help you out. Another option is to go to a credit counceling company and they will help you find ways to budget your money and pay off your debts. I live in Canada and those services are free here. I don't know the situation where you live. It might be something to check out if you haven't already. You could also try working directly with your creditors. Sometimes they are willing to lower the interest rate if you ask them or to work our a feasible payment plan when they know you are willing to do whatever you can to pay them back. Praying is always a good idea if that is a viable option for you. At any rate, I hope you find something that will work for you. Hugs sweetie. I certainly know the stress that it can cause since I've been there before.