Find a non-profit debt consultant
Once you are in a position to reasonably present your financial position, get in touch with a non-profit credit counselor or debt consultant. You can receive confidential and free-of-charge financial assessment of your situation from a non-profit agency.
The debt consultant will guide you about the appropriate debt reduction strategy in your situation and get you started on the right path. Once you know that simple measures can help to ease your situation, often that alone will restore your confidence and propel you to take firm steps.