Heh, that was me maybe 4 years ago! My husband bailed me out, otherwise I would be bankrupt by now. I still owe him about $25,000 plus my car.

Sit down, get all your bills together, and figure out the minimums. Just pay the minimums and get everything up-to-date so you're not paying any late fees. Then if you have anything left, pay down the highest interest rate one.

Then cut up those credit cards so you can't use them. Or freeze them in a block of ice! Seriously!!