If your debts are getting out of control, and you are serious about gaining control over your financial situation, here what I suggest you do to get out of debt:
Stop buying things on credit, if you can’t buy with cash – no new debt
If you don’t have a budget you need one. If you have a budget obviously your budget did not working. Your budget needs some serious alignment. I urge you to cut back on your caffeine fix, take your launch with you to work, cut on your entertainment. Cutting back on things that don’t improve your life quality help you find some savings so can pay more the minimum.
You may face serious challenges doing that. I encourage you to endure some pain for long term gain. You have no choice but put your spending on a die, sot you can conquer your fight over your debt.