I think the first step -- one you can do on your own -- is to contact the providers and see if they have programs that will reduce your outstanding balances. If you make the effort, they may respond sympathetically. It can't hurt to try. And if that doesn't work, contact the National Foundation for Credit Counseling at 800-388-2227. They are great at helping you work things out with creditors. And if the debt is too overwhelming, they will advise on declaring bankruptcy -- a last resort, for sure.