No. of Recommendations: 0
Been there (esp the part about not wanting to answer the phone).

Think about assets..your job is probably your best one. Do you have anything else of value? IRA, 401K, shelves brimming with books you've already read and CDs you've already listened to?

Sell books and CDs if you have them via and/or Ebay. Even if they are books you think you may buy again later when money is better. Take this money, and plop it onto your smallest credit card balance. Continue to sell books and other stuff. Have a garage sale.

Can you work a second job? Even something menial or "beneath you". Are you married? if so, does your spouse work? One or two jobs? If one, encourage him to find something else. Look at these as short term commitments (lots of holiday job opportunities).

The standard wisdom is to not touch 401K money or IRA money..and the penalties will hurt. But if you're at the avoiding the phone because it's always a creditor, you might want to consider raiding the retirement money.

Have you stopped spending though? Because nothing will help until you are living on far less than you earn. There is a light at the end of the luck..

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