i want to be debt free

Ryan, a counselor in your area will be calling you soon and set a payment plan for you. You will make a lower payment every month to the consolidation company and they will send it to your different creditors included in the program.

Quit all your bad habits as early as possible. You will feel good coming back to the right track. These bad habits are the only reason of your bad days you are facing now. Get control over them and say no to gambling, spending and other wasteful expenditures. I wish you all the luck on getting control over your finance.

Ryan, Arden is correct. You need to cut your bad spending habits right away.

Gambling is an addiction, as is excessive spending. Have you considered any kind of professional help to get these under control? I'm sure there is a non-profit orginization in your area that can help you. I wish you luck, keep us posted.

YaY, there might be some good rehabilitation centers for putting people in track with such problems. Don't feel shy being there or using the services. Most people don't want to go there because of this reason. See the benefits that only you will find helpful in the future after using such aids.