<prompt> Human: Im anywhere from 15-20k in CC debt with no real viable solution to start paying on any of it. My bills utilities, mortgage, etc. stretch me thin enough as it is. What are some of the more legitimate options and consolidating my debt and beginning a plan to pay some of this off?Im feeling quite overwhelmed at the moment as Ive ignored this problem as long as I could and now Im in a position where I have to do something or I fear ruining the rest of my life. My debt stems from finances being restricted after a divorce and me being stuck with a lot of things to pay for in my name that I had depended on additional income for. Any helpadvice would greatly be appreciated.  <response>: There is not much to be said except you need to aggressively saving to pay down your debt. If you have decent credit and can get a new credit card to transfer balances with no interest for a year, that will help. 