 You're just disorganized and have the crap beat out of you because it's been a hard year. But mathematically, you're okay. 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.