Do you have unpaid bills ?  This article outlines some good practical advice to follow when dealing with your bills and unpaid debt.
If you have tried these tips, and are still having trouble, it may be time to talk with a bankruptcy lawyer. Most bankruptcy lawyers will be happy to discuss your situation without charge, offering what most call a “free consultation” to see if bankruptcy is an option. This “free” meeting can be a good use of  your time, as you may discover options available to you to deal with your bills … options that you did not know you had.