whats the best way for a single mom of 3 to get out of debt? any tips would be great the bills are from 2007-2009 (college and an accident, so loans, cell phone, and medical). i currently dont work and have been looking dfor work for a year almost. most places around here are cutting everyones hours back so job hunting is really hard with the employee hour cuts i here about. my ex works full time at walmart and they have cut him back to only 20 hours a week and a lot of workers their are getting 4 days a week, giving an idea on how hard jobs here are to find. i need any ideas as i really dont want to fill for any type of bankruptcy but its killing my credit and i am at a loss as to what to do right now.