Where to begin...

Make a list of debts that you have.  I made a list of three columns.  Column #1 has all the debts that can be paid off with payments.  This includes things such as cars, hospital bills, and that nice expensive vacuum.  I added all those items together and put a subtotal #1 beneath it.  Column #2 has all my monthly debts that are expected to be paid every month.  This includes things such as rent, daycare expenses, etc.  I added all those items together and put a subtotal #2 beneath it.  Column #3 is my IOU column.  For any person I owe money to other than a bill collector, I put his/her name and the amount owed.  As with the first two columns, I add up the amount and make a subtotal #3.  Finally, add the three subtotals together and you can see just how much money you owe and can begin making a plan on how to get that paid off.  My suggestion: Pay off the smaller debts first.  I'll explain that in more detail next.