I definitely feel your pain. As others have recommended I would first cut up those credit cards and lock those accounts. If you’re really drowning in debt I would NOT recommend that you file for bankruptcy. That will completely trash your credit and it will be hard to recover from it. What I do recommend is trying to make some extra money to be able to make those payments or even if you’re living above your needs to actually sell some things (Including your house). Buy a smaller house, start buying cheaper groceries, and even sell your car for a cheaper one if the payments are affecting your able to make payments. Lastly, I would recommend that you listen to or read the book The Total Money Makeover by David Ramsey. It will definitely help you improve your life with debt.