While prayer is the first step to victory, remember, God uses the hearts of men to bring his glory to others. I am praying for you and your family.

May I please suggest that you look up :Dave Ramsey's" snowball repayment plan? There are calculators for determining many factors and will aid you in recovery. He loves God and has your best interests at heart.
You need to know where you are at, to know where you are going?

I finally took that step this year. I found out where I stand and where I am going. I discovered this month that for the first time I not only paid off an Over Draft I've lived in since June of 2008 was finally paid and not used. I also put a 1% dent in my credit cards. HOPE AND INSPIRATION!

Small steps that let me see my future if I just continue to trust God and have that faith and patience he's let grow beyond measure in my heart.

Until I knew where I stood, I was SO OVERWHELMED. NOW, I know where I'm going.

LEGAL, MORAL, HONEST and ETHICAL inventory of myself. Turn it over to the Creator and he will shine a light on your path.

I'm absolutely praying for you.

If he can enlighten this sinner. He can surely enlighten you.

In Jesus name. AMEN!