Interest and late fees are building up

Here is what I have done, contact each creditor and get a complete statement of your transactions, when did your payments begin to slip, what was the interest rate when you opened the account, has that changed and if so, why. Decide how much you can and will actually pay, don't make it so hard to not be able to eat. Dr/dentist bills do not get reported to credit agencies unless they go to collections, so work on the ones that do 1st.
Talk to each creditor and explain the problem. Most will waive late fee's/interest at least for a little while. But even if you can only send 10.00 to each, it is a good faith effort.
If you would rather contact the debt consolidators here. They are very good!

Welcome to the forum. If you registered you should be getting a call from a councelor, this is free to discuss your options. Now if you can give us a little more info as to what state you live in, what type os debt and the like, we may be able to steer you in the right direction. Everyone here has some type of debt be it pdls, credit cards and the like so we all are or were in the same boat that you are in. You are not alone and we can answer your questions if you give us the info. This board is fabulous and the people hear have helped me get through many problems as they will you also.

You should concentrate more in increasing your source of income. Maybe, a part time job will be of great help at this moment. This way, you won't have problems in rolling your daily expenses as well as paying debts under any debt management program.