<prompt> Human: Hey everyone, Im new to this sub but I was wondering if yall could help me a little on this:Three months ago I unexpectedly lost my job. This left me with a lot of bills I was unable to pay, including six credit cards that I have been missing payments on. It has been extremely stressful and my credit score has dropped significantly. I was just finally able to secure a new job, but it will be a while before Im able to pay all the cards back on missing payments. Altogether its about 10,000 dollars in debt. I dont know where to turn here and I want to pay them off but I dont know the best way to go about it. Can anyone give some advice to this idiot?  <response>: Make a budget. Keep living like you have no job until you knock out your debt and make an emergency fund. As soon as you can make payments again, call your creditors and explain that you were out of work and see if you can get them to remove the negative marks they put on your credit for latemissed payments. rEatCheapAndHealthy rMealPrepSunday 