First, stop spending, especially on credit cards.! Purchase only the things you need to get by ie. grocery staples, and general bills.
Second, See what marketable assets you have that you can part with. Sell off those items that you don't need. Drive less and make necessary purchases from discount retailers. House sit, pet sit, or babysit for extra cash if possible.
Third, if you are having trouble with creditors, call them and arrange for a reasonable payment plan. They'll appreciate the fact that you are making an effort.
As a last resort, file for bankruptcy.
Take advantage of free community entertainment. Learn how to stretch your food dollars. Reduce your heating /cooling bills by shutting off parts of the house you don't use. Rent out a spare room if kids are grown. Offer your skills and services within your own neighborhood w/ an inexpensive flyer.