Look for ways to get extra money just for purpose of paying your overdue bills. This can be either a temporary part time job or selling something that you can do without.

If you own your home and have equity in your property, you may want to consider a bill consolidation loan. While this seems like an easy out, many people start obtaining more debt after they receive loan since they have some disposable income. There are pros and cons to bill consolidation loans and you would be wise to investigate it thoroughly.

If you have exhausted all of above options, you may have to consider one of below options. You must remember that filing bankruptcy can stay on your credit history for up to 10 years and can have a devastating effect on your future financial plans.

In extreme circumstances, and always as a last resort, consider filing Chapter 13 bankruptcy protection. This allows an individual to setup a repayment plan of between 3 to 5 years to pay off all or part of their debts. You must have sufficient income to permit a portion of it to be used toward your repayment schedule.

Another option is Chapter 7 bankruptcy which is most commonly filed chapter since it can completely eliminate all of your debt except ones you choose to continue paying. There are exceptions to debts that can be discharged and to what property is exempt from being taken by your creditors. You should discuss any bankruptcy actions with a competent bankruptcy attorney. Only individual's may file for chapter 7 or chapter 13 bankruptcy.

Just because you are behind on your bills doesn't mean that your bill collectors can do what ever they want to collect their debt. You have rights under Fair Debt Collection Practices Act. It would be a good idea to visit The Federal Trade Commission's web site http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm to find out what your legal rights are.

Remember that something as small as talking about losing weight in front of your kids can have very detrimental effects on their self-image as they age. Damaging behavior learned from a parent at a young age can take years for a child to overcome. So, sooner you start incorporating tips above into your life, better for you child. But don’t forget that it has to start with you – make sure that you are incorporating healthy fitness and eating rituals into your daily routine and that you have a positive body image (no matter what your size or shape is)!