2. Negotiate with your creditors.

So you have people knocking at your door night and day looking for money that you owe them...Instead of sticking your head in the sand, face up to your problem and contact each and every person that you owe money to. Rather than not paying anybody, or picking a name out of hat, you could try and negotiate with your creditors to pay a smaller amount every month for a longer period until you have paid off the full amount. Most creditors would rather receive a reduced payment than no payment at all. Do not ignore your money problems, be proactive about it.