[skylovessea]

My husband and I have acquired quite a bit of debt through unpaid negative bank balances, bounced checks, and credit cards. Not to mention my school loans and current tuition that is becoming a debt.

We are both unemployed and seeking jobs (hopefully I will hear something by the end of the week) and I don't want to start getting paychecks and forget about my debt. I want to start in the right direction.

I need some realistic suggestions on how to deal with the debt we have ended up in. I am not at home right now but I will update this with an exact amount once I can look through my files.

Regardless the amount, I need to know where to start. It is building up faster than I can handle and we can't pay much to stop it. I am becoming very overwhelmed.