The problem with debt and bad credit, is it can be a vicious cycle.  The never ending circle of interest fees, and trying to pay cards down, only to have to use the card again.  It is time to stop the cycle.  There is help available to you.  Start looking for a bad credit payday loan.  There is one out there for you.  If you hold a steady job every month than this is the start.  Get out of the cycle and take back your life.  Get rid of that debt in no time, and start using that money for the things you want.