Over the limit, and late credit cards and loan.

Welcome to the board and we are here day/night so please feel free to post anytime. have. First off don't accrue anymore debt, cut the cards up and don't take out anymore unsecured debt. Have you thought about debt consolidation here is a link to an article on this site that explains consolidation benefits

http://www.debtconsolidationcare.com/benefits.html

at the same time come up with a debt mgmt plan

http://www.debtconsolidationcare.com/debt-management.html

Read these articles over and post to us for support. I am sorry your husband left and things didnt work out for you all but remember to take a proactive approach to your life. take care

I am sorry to hear what you are going through. Perhaps, this is the time you should consider some professional help. If you aren't taking care of the situation now, the problems will only get worse. You may also need to consider a job for rolling your daily expenses and pay your existing debts.

Consolidation program will be a good choice in your situation. The counselor will inform your lenders about your financial problems and arrange lower interest rates. The creditors may stop all the late fees and charges from adding into your account. You will be offered some benefits and the lower repayments in the plan will help in paying your debts smoothly. Good luck