To make a long story short. Had some trouble with money mid to late last year and am just now getting back on my feet. Have a couple of credit cards that had gotten to let go too far. One am starting to get back on track with but the other I let go too far and they want all their money now. Can't seem to get a loan because my credit is poor and am currently paying on a car right now. Dont really have any family to help me out. Anyone have any suggestions on what I should do?