text: what can i do if my debts are choking me? my sallary won´t be soon enough to cover my credit cards and other expenses. what are the options? legal, of course!!! there are several things you can do. call each credit card company (the # is found on the back of the card).  tell them your problem and let them know you want to pay them back, that you want to continue to have good credit with them. they may give you a break but will charge your account more finance charges to get you through this hard time.  as for your other expenses, such as your electric bill or your phone bill, call and see what arrangements you can make with them (they may let you pay in installments).  i hope these suggestions are helpful.  for the long term, if you can't pay for something right now with cash, then you can't afford to buy it. credit cards are a convenience and should be used that way.  that's how you got into big debt, by buying things you can't afford.  i know, it's a bitter pill to swallow but learning these things will help you along the way.  more suggestions: get a second job to tide you over this rough spell. on repaying your credit card debt, always pay more than minimum. on paying your regular bills, pay them when you get the bill (do not save it until it's due) because it is due now.  you can wait and forget about it until it's late and then you will be charged a late charge.    normally, you don't solve money problems with more money.  you learn how to set up a budget for yourself.  you can do it simply.  income vs expenses.  you will see just how much you need to bring home to cover these expenses.  it's that easy.