For those who have a lot of outstanding debt and not much money to pay them off, then you need to consider adjusting your monthly budget.
By creating a well organized budget you may be able to slowly pay off those debts.
For those who have very high debt then this is probably the primary step you need to take to get out of debt.
You should first think about talking to your creditors to see if they will reduce your monthly payments.
You can request to maybe have it cut down for a short period of time until you are able to get control of your budget.
You will need to generate a list of all the creditors that you have back payments.
Then you will need to go over your monthly budget and see what portion you can contribute to each creditor.
When it's time to reach out to your creditors you should explain to them your situation and what you want done.
Another step you can take is to borrow a little to pay off some of your old debt.
Of course you need to consider a few things when you taking on this type of action.
Be careful that the new rates and monthly payments are much lower compared to your current debt.
Consolidating all the debt into one manageable payment would be your best option.
One last option you should consider is maybe seeking some financial help.
There are many agencies that will assist you with your financial debt and credit problems.
They can help you establish a budget, look over your accounts, and also assist with talking to your creditors.