One of the best ways to get back on track for financial security is to consider debt consolidation as part of your solution.  This is an easy way to consolidate all of your unsecured loans and make one easy payment.  This will often lead to a smaller out lay of cash and save you money.  The company you work with will take care of paying your creditors every month as you watch your balance sheet become smaller every month.  They will also provide you with the necessary budget tools to avoid future debt and get you on the road to recovery from financial problems.