Well the way i did it was to sell everything including my home. The stress was killing me with all the bills and interest to pay. Our health is not worth the worry over money. I am living a simple life and no bills except everyday living expenses and utilities. I am much happy even though I don't have my toys, fancy cars etc. Who need that stuff unless you have so much money you can afford to have them. Live low key and just simple and I can bet you will be much happier. I took years to get everything taken care of but it was well worth the wait.