how can you help

Stop using the credit cards. Buy only what is necessary (not what you want). Cut back on dinners out, fast food, convenience food, movies, etc. until you establish a cushion. Call your credit card companies and tell them you are having difficulty managing the payments; ask if they can reduce your interest rates, then you may be able to pay them down sooner. Make do with what you have. Try to find part time work, if possible. Sell unneeded things. Clip coupons for food items; buy only groceries on sale. The list is endless....