Bankrate.com recommends taking a deep breath, then giving your creditors or lenders a call to find a payment plan that works for you. The sooner you address each issue, the closer you'll get to a resolution. You might also want to consult a financial professional for advice during this time.
To avoid debt in the future, MSNBC.com recommends familiarizing yourself with the basics - paying your bills on time, using the money you have in your account (rather than charging everything) and avoiding new credit cards.
Talk to your psychic if you're interested in learning when your efforts to recover financially will pay off. A tarot reading can also tip you off to any temptations that may lead you to spend more money than you have in the near future. Being aware of them can stop you from pouring more cash down the drain.