I got behind in my bill payments

What kind of debt? How much? Are you working now? A lot more info is required for someone to help you Kandygirl!

Welcome to the Community :D First of all, you are not alone, and have come to the right place! There are many options for your debt problems, consolidation being one of them. All your unsecured debt can go into one monthly payment, with lower interest. Also, have you tried to contact your creditors? Some will work with you, lower,or drop interest,so you can catch up. Someone will contact you for your free credit counseling, and you can discuss these, as well as other options with them. If you have any questions, please ask..Karen

welcome to the community. you have to be a little more specific though hon....

Give us some more information and we will walk you through. Becoming debt free is not a hard job. You need to have a proper planning and stick to the repayments. Budget your finance in such a way so that you have more money to save and contribute towards the plan. You may take on a temporary job so that you don't have any pressure in your repayment plan.