 You can work through this. Obviously, you need to cut up the credit cards and stop the borrowing. You can't dig your way out of a hole. You can't just get out of a hole while you're digging out the bottom. You can't just keep digging. So no more debt. Chop them up. Get on a written plan. Take care of food first, lights and water second, house third. Then you've got money left out of that.