Quite often, when you are overwhelmed with debt and bills, there doesn’t seem like there is any light at the end of the tunnel.  Don’t lose hope, there are many options at your disposal.

Taking advantage of a debt negotiation program can reduce the stress in your life, and your monthly payments.  What they do is give you credit and bill consolidation help which consists of reducing your debt and your monthly payments.  It also eliminates your many payments into just a single payment - making it a little simpler each month to get your debt eliminated.

If bills are not really your problem, but your credit cards are, you can take advantage of credit card negotiation services.  It is very much the same process as above, you will have one easy payment per month with the goal of being debt free in less than three years.

There is also a "last ditch effort" if none of the above methods will work for you, or you are just too far in debt, you can also go bankrupt.  I suggest that it should be used as the last method - as it destroys your credit score and can impair your ability to get credit for a number of years.  On the other hand, if you have no other options, it is better to go bankrupt as opposed to going to jail.

Be sure to consult with a professional before you make any of the above decisions - they will be able to give you an answer tailored to you and your situation.