Scotley
Hero
Sounds like you are trying to get your life in order and realize what the problems are. That's often the hardest part. Except for the money of course.
Check out talk radio in your area and look for Dave Ramsey's show. He's got a lot of good advice for getting out of debt. Sadly, there is no easy solution, but he does have books that can help. He often sends callers free copies or tickets to one of his live seminars to help them get started. If you can't find him on the air try
http://www.daveramsey.com/radio/home/?strMode=listen
Perhaps you can find some info that will help you get on track with the money too. It isn't much, but that's the best financial advice I have to offer.

http://www.daveramsey.com/radio/home/?strMode=listen
Perhaps you can find some info that will help you get on track with the money too. It isn't much, but that's the best financial advice I have to offer.