There are many methods that you are able to get your funds on the right track to head off bankruptcy. The first step to making sure that your finances are more manageable is to get organized. Bring all of your statements and bills into one place and find out exactly how much you owe to each creditor. Then, see how much income you're bringing in.
When you have done this, you're going to see if you can deal with making the minimum payments or not. If you find that you're still unable to make the minimal payments even after you've organized all of your finances and have a list of what you owe, you might want to consider getting hold of each person and asking if there's anything that they can do to bring down your payments.
Make sure that they know what your position is and give them the amount that you're willing to pay per month. More often than not there's something that they can work out for you. Another thing that you should remember when you're getting your money back on track is that building credit is very crucial.
Why not try: Business Organization & Time Management Reiki