Step 1: Face the Music
Get real about your debt and make a plan to pay it off.
Don't let debt collectors run your life. Take the first step towards freedom.
Step 2: Create a Budget
Make some sacrifices, cut back on unnecessary expenses, and save for the future.
It's time to get real about your financial priorities.
Step 3: Rebuild Credit
Start small, be consistent, and don't get too attached to your credit score.