Sorry to hear about your situation. It just takes one life event for the rug to be pulled out from under us. The only fix is to pay your bills ontime and try to reduce your balance. Back in the day when I was trying to fix my credit, I sent everything that I could to pay down my cards. Sometimes it was as little as $5 a week. I would pay what I owed plus anything left over. A few bucks here and there and I got it paid off.