I have accumulated lots of debt due to my son father being on drugs and me being the only person who paid the bills. It happened so suddenly that I had to make a choice. Pay my debt or pay the rent and utilities. I have racked up credit cards Just to pay for necessities. I've gotten several paid down but I'm out of extra income and I keep getting collection calls. I just need some help before all my debts are garnished. We are no longer together and I am a single mom. Any help is appreciated