Immediately call the National Foundation for Credit Counseling at 800-388-2227. That will connect you to the nearest office of this national non-profit group. You can trust their advice and they will know exactly what to do. They can help you work out a payment plan with your creditors –or will tell you if bankruptcy is the only option. But do it immediately, and although you can talk to them on the phone, try to go in for a personal appointment. And please write back and let me know how things are going.