You might feel really embarrassed if you are in the type of situation wherein you have been found to be unable to pay off various debts that you would have accumulated over the years. In spite of the fact that this is the case, it is important to note that everyone finds themselves in a situation like this at some point or another so there is no reason for you to feel ashamed as there are a lot of solutions that can help you in terms of reaching an agreement with your debtors.
Finding a professional that can help you out by offering you a number of truly top notch debt elimination solutions will be great for you right now, and one of the best tips that they might just give you is that they would suggest that you restructure your debt. This would mean that you would have to start making more regular payments to the people who loaned you money, but in exchange for these payments they would be willing to bring the amount down a bit so that it can be a bit more reasonable for you and you would not be forced to forego any of the important necessities of your life.
Restructuring can be a really complicated process though, so we would strongly recommend that you find someone that can help you with it. Trying to do it on your own would be a really tricky procedure, and there is a fairly high likelihood that you would make a mistake that would make it even more difficult for you to dig yourself out of the financial hole that you are currently finding yourself in based on your own actions.