How will I ever get out of this mess?

by Melissa

I have always struggled to manage my money. I am single with no dependents (except pets). I am falling behind now because I am over my head in payday loans and overdraft fees. I have consolidated my pay day loans but am still behind from all the fees. I owe my former banks money approximately 1200.00 total.

I am running about 2 paychecks behind and I can't catch up because of all the fees. It's a vicious cycle and I feel overwhelmed and panicked. I don't want to file Bankruptcy but I don't know how I will ever get out of this mess! Any advice and/or encouragement is appreciated.