As far as the credit cards and dept, talk to your creditors and start paying them down starting with the one with the highest interest first, paying as much as you can. Pay the minimum on all other cards until the first one is paid off then take the same amount you were paying on the first card and add it to the next one along with the minimum. Once you are out of dept get rid of all of your cards except the two that have the best interest rate and highest credit limit and only use them if you have the money saved to pay the purchase off within three months. You’ll be out of dept sooner than you think. After that, you should work on how much you have saved in checking and savings, about two months worth of paychecks in your checking and three to six months worth of paychecks in savings. For example if you make $4000 a month you would ideally have 8 grand in checking and 12 grand or more in savings. It’s not easy but if you ever get into this type of situation again you’ll be able to tell you boss “Take this job and shove it”. The job situation is pretty simple quit and find work wherever you can to make ends meet. Work more than one job if you have to, move to a cheaper living situation, and look for craigslist ads for roommates. If all else fails you can join the military, it’s not easy but they have legal assistance jobs that will give you real experience and a steady paycheck that is recession proof( shameless Army plug, sorry). My parents worked two sometimes three jobs to pay for my mother’s nursing school until they had saved the money they needed. If you can find a couple of jobs that pay you enough to support a frugal lifestyle instead of staying in your current situation you may find yourself in a much happier place. Good luck.