my bills

Welcome to the forum! Many of us here can certainly relate to what you're going through. If you entered all of your details when you registered with the forum, a debt counselor should be contacting you shortly to discuss your situation and available options. Hopefully, this will help you get back on track and have some peace of mind.

Depending on your situations and types of debt, you should be able to do a debt consolidation plan or debt settlement. The counselor will explain both options and advise as to which is recommended for your amount of debt.

If you have any questions while you're waiting for the debt counselor to contact you, please don't hesitate to post them and someone on here will try to answer and help you out.

Probably, a debt management program is going to be the right choice at this time. If you consolidate all your debts under one payment plan, you will have to do only one check to the consolidation company and they will post your payments to different creditors included in the plan. This way, you won't have to remember every single date with different creditors.

In this program, you will also get lower interest rates than what you are paying at present. The creditor can also waive off most of the late fees and make your total amount affordable in the program. Sit with a debt consultant and discuss the benefits you will expect in a debt management program. Read the various options here.