I know that it is incredible hard to get out of a debt situation. I am trying to give some tips, but the most important advice is “You need to be a control freak with your money”.
It is a good choice to buy a book or even a software that helps you with advices and the controlling part of your incomings and expenses.
The most known software is the Microsoft Money, but there is a good free alternative called GnuCash. http://www.gnucash.org/download.phtml
You only will achieve your goals if you redirect your money to pay the bills.
1) Again, put your credit cards in a safe place and stop using them
2) Contact every company that you are in debt. Start to negotiate with the highest rates debt and the greater values
3) Negotiate your loans again, contact the companies, try to make a plan that you could pay. Ask for a new schedule with a lower interest rate.
4) When you paid off one credit card, redirect this amount of money to pay another card or loan
5) Never pay the minimum when we talk about credit cards. You will pay forever!
6) Borrow against your life insurance. The rate is below compared with loans or credit cards
7) Borrow from your 401(K) retirement plan. The rates are cheaper than credit cards.
8) Again, renegotiate with your creditors! Tell them that if you can not renegotiate your debt, you will declare bankruptcy (We will talk about this later)
9) Again, cut your luxuries. Stop to eat out, bring your lunch from home, take a bus, walk, cut everything that it is not necessary