It is time or past time to sit down and start preparing a family budget. You must also list each and every item that you spend money on. From the cup of coffee, sodas, snacks and even what you spend on lunch on a daily basis. Cancel all subscriptions to newspapers, magazines, cable tv and any  other service that you really don't need.

You may have to trade down on your vehicles getting rid of a payment and settling for an older used car. It is possible that you may have to sell your home and move into a smaller place.

Contact your bank to see if you qualify for a consolidation loan, if not contact a good consumer credit counseling center. They can help lower your payments , interest rates and can consolidate your payments.

Here is a link to free e book that will help you set up a family budget.

http://confidentlifestyle.com/Documents/family_budget.pdf

Here is one that has some good ideas for generating emergency cash.

http://confidentlifestyle.com/Documents/emergencymoney.pdf

This one deals with improving, maintaining and saving your credit legally.

http://confidentlifestyle.com/Documents/fix%20credit.pdf

Here are some links to credit counseling centers.

http://landingpages.moneymanagement.org/Debt/default.asp?RCTAG=TTCO&CMP=KNC-gaw

http://www.cccsstl.org/?referrer=google&gclid=CLHMpsrJnpECFSgEIwodRCD5tg

http://www.greenpath.com/

Good luck and best wishes.