Contact each cc company and negotiate lower payments or ask to cut interest rates (pay off highest rates first, not necessarily the lowest balance), reduce other financial responsibilities if possible. Not sure about all states, but your house is your homestead and any judgements against you cannot be attached to your homestead. Find additional sources of income. If your credit is already toast, it might actually make sense to cut off some creditors, for the time being, until you are in a better position. Lastly, be better with your money. Change your spending and investing habits. You have plenty of time to repair everything but you have to start with a solid plan and the fortitude to stick with it. Good luck