Write down all your unsecured debt and monthly payments and select the one you owe and pay the LEAST. Double up (or as much as you can afford) on that payment only until you pay it off. Then pick the next lowest one and attack it the same way and so on. It's going to be TOUGH. While you are doing this, DO NOT incur any more debt and cut down to bare minimum all your discretionary spending (like Cable TV, dinners out, movies, etc). It's hard but it can be done. Good luck. jorge

A good principle to guide me through life: “This is all I have come to expect, standard lackluster performance. Trust nothing, believe no one and realize it will only get worse…”