Hi there, I strongly recommend seeing a financial planner, this can usually be arranged by a local welfare agency for free, they will be able to help. I would probably recommend start by paying off the debt with highest interest first and so on....Goodluck
Here is a company that I have recommended to a couple of my real estate clients who were faced with loosing their homes due to financial problems.
Both were assisted in lowering their interest rate and kept their homes.
This non-profit company offers free debt advice and helps negotiate financial arrangements between you and you creditors.
Sounds like you could use some professional help with your financial problem.
Saving money on your expenses, like you are doing, is a must.
Every extra cent you have, will have to go toward reducing your debt.
You can do it if you stick with it and then be free and clear again.
You can visit the site online and then call them, toll-free for assistance over the phone.
You may even live near one of their offices.